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Citi ThankYou Preferred Card

in Personal Credit Cards from Citibank

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Citi ThankYou Preferred Card

Unaffiliated

in Personal Credit Cards from Citibank

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Mostly recommended

1 user recommends
7 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Mostly recommended
Purchase APR 14.99% - 24.99%
Balance Transfer APR 14.99% - 24.99%
Annual Fee $0
Credit Score Range 700 - 850
Number of Reviews 9

Overview

Who is this credit card designed for?

Citi ThankYou Preferred Card is a credit card issued by Citibank, which is based in New York, NY. 

Citi ThankYou Preferred Card is designed for people with a credit score of 700 to 850. It's perfect for consumers looking for a card without an annual fee. A rewards program is included that allows you to convert your purchases into travel, gifts, or other perks. This card supports balance transfers, which is an attractive feature if you have credit card debt and would like to transfer it to a card with a lower APR.

What are the relevant APRs?

Citi ThankYou Preferred Card 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%.

The good news is this card does not charge a penalty APR if you are late on a payment.

Is an introductory APR offer available?

Yes, Citi ThankYou Preferred Card offers an introductory APR rate on balance transfers of 0% for a period of 15 months.

This card does offer an introductory APR rate on new purchases of 0% for a period of 15 months.

What are the fees?

The following fees apply to Citi ThankYou Preferred Card:

  • There is no annual fee.
  • A late payment penalty of up to $35.
  • Citi ThankYou Preferred Card does not charge a returned payment fee.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

Citi ThankYou Preferred Card offers a rewards program to its customers. This card features rewards for purchases in the following categories:

  • Every Purchase
  • Restaurants

Is a signup bonus offered?

Citi ThankYou Preferred Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Citi ThankYou Preferred Card doesn't offer a cash loyalty bonus.

What additional benefits are offered?

 Citi ThankYou Preferred Card provides the following benefits:

  • Free Credit Score
  • Auto Rental Collision Damage Waiver
  • Emergency Support
  • Extended Warranty Protection
  • Fraud Liability
  • Price Protection
  • Travel Accident Insurance
  • No blackout dates when redeeming miles
  • Travel Assistance
  • ID Theft Protection
  • Reports to major credit bureaus

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

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

  • Equifax
  • Experian
  • Transunion

Making regular and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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...

Availability

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

Grace Period for Late Payment (Days) 23
Annual Fee $0
No Annual Fee  
Returned Payment Fee $35
Minimum Interest Charge $0.50
Late Fee Amount $35
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 700 - 850
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Car Rental Insurance  
Extended Warranty  
Fraud Liability  
Travel Insurance  
Flight Insurance  
Lost Luggage Insurance  
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
Bonus Rewards 2x
No Blackout Dates  
Every Purchase 1x
No Reward Expiration Period  
Rewards Categories
  • Entertainment
  • Every Purchase
  • Restaurants
Purchase APR (Variable APR) 14.99% - 24.99%
Cash Advance APR (Variable APR) Starting at 26.74%
Balance Computation daily balance (including current transactions)
Penalty APR 29.99%
Introductory Rate 0%
Balance Transfer APR (Variable APR) 14.99% - 24.99%
Introductory Rate 0%
Intro APR period (months) 15

Reviews

 
 

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