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  Citi ThankYou Preferred Card

Out of Business

Citi ThankYou Preferred Card

in Personal Credit Cards from Citibank

Out of Business

Citi ThankYou Preferred Card

in Personal Credit Cards from Citibank

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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1 user recommends
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

Rating not yet determined  

Purchase APR  (Variable APR) 14.99% - 24.99%
Balance Transfer APR  (Variable APR) 14.99% - 24.99%
Credit Score Range 700 - 850
Annual Fee $0

Citi ThankYou Preferred Card Review

Citi ThankYou Preferred Card is no longer available to new customers on SuperMoney.

Click here to compare Personal Credit Cards and quickly find the best options for your needs.

This is a rewards credit card issued by Citibank. If you're wondering whether Citi ThankYou card is the right card for you, read on. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 15 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 15 months.
  • Competitive APRs. Citi ThankYou Preferred Card has a variable purchase APR that ranges from 14.99% up to 24.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance rewards card. It gives you rewards on your purchases, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Citi ThankYou Preferred Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, extended warranty protection on purchases, identity theft protection, price protection, purchase protection, travel accident insurance, travel assistance, trip cancellation insurance, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.
Pros & Cons of Citi ThankYou card
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 15 months.
  • 0% APR on new purchases during the first 15 months.
  • No annual fee.
  • Multiple credit card perks.
  • Offers auto rental collision damage waiver.
  • Extended warranty and price protection on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Travel accident and travel assistance insurance.
  • Trip cancellation insurance.
  • Cardholders can earn rewards on purchases everywhere Citi ThankYou Preferred Card is accepted.
  • Citi ThankYou Preferred Card reports to multiple credit bureaus.
  • Requires good to excellent credit.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Charges a 3% balance transfer fee.
Citi ThankYou card FAQ

Does Citi ThankYou card have a cash back or rewards program?

Citi ThankYou card is a rewards card.

Citi ThankYou card Rewards
Minimum rewards rate 1x
Max rewards rate 2x
Annual rewards limit N/A

Does Citi ThankYou card have a signup bonus?

This card doesn't offer a cash signup bonus.

Does Citi ThankYou card offer an annual loyalty bonus?

This card doesn't offer a cash loyalty bonus.

What are the Citi ThankYou card benefits?

It provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Trip Cancellation Insurance
  • Zero fraud liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • Reports to major credit bureaus

What are the relevant APRs for Citi ThankYou card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a variable purchase APR that ranges from 14.99% up to 24.99%. The card has a variable balance transfer APR that ranges from 14.99% up to 24.99%. It also has a variable cash advance APR starting at 26.74% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citi ThankYou card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 15 months.

Citi ThankYou Preferred Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 15 months
Balance Transfer APR 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%

Does Citi ThankYou card have an intro APR offer on new purchases?

Citi ThankYou Preferred Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 15 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 15 months.

What are the fees for Citi ThankYou card?

The following fees apply:

Citi ThankYou card Fees
Fees Amount
Annual Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee $35
Late Payment Fee $35

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost rewards card.

Does Citi ThankYou card have a foreign transaction fee?

Citi ThankYou card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Citi ThankYou card?

The Citi ThankYou card customer service number is (800) 950-5114.

What is the support contact email for Citi ThankYou card?

The support contact email for Citi ThankYou card is customer.help@citi.com.

How do people rate the customer service and user experience of Citi ThankYou card?

Overall, Citi ThankYou card is mostly recommended based on community reviews that rate customer service and user experience.

Does Citi ThankYou Preferred Card report your account activity to credit bureaus?

Yes, Citi ThankYou Preferred Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citi ThankYou card

  • Visit the Citi ThankYou card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 15 months
No Annual Fee
Annual Fee $0
No Interest Grace Period for Late Payment 23 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee $35
Late Fee Amount $35
Customer Type Personal
Minimum Age 18
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Credit Card Benefits
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Free Credit Score
  • Identity Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Accident Insurance
  • Travel Assistance
  • Trip Cancellation Insurance
No Reward Expiration Period
No Blackout Dates
Rewards Categories
  • Entertainment
  • Every Purchase
  • Restaurants
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including current transactions)
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 14.99% - 24.99%
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 15 months
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Balance Transfer
  • Rewards
  • Zero Percent
Card Network Mastercard

Citi ThankYou Preferred Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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