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Citi ThankYou Preferred Card

in Personal Credit Cards

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Citi ThankYou Preferred Card

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in Personal Credit Cards

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Overview

Who is the Citi ThankYou Preferred Card Designed For?

Citi ThankYou Preferred Card is a decent “middle-of-the-road” credit card that provides a respectable signup bonus and rewards program without charging an annual fee. Also, the credit score requirements are less stringent than many other cards with similar terms and benefits, which makes this card a good fit for people with less than perfects scores looking for a solid rewards program.

What are the Citi ThankYou Preferred Card's Rates?

Rates range from 14.99% APR to 24.99% APR depending on creditworthiness. There is a 15-month 0% APR introductory rate for balance transfers completed within the first four months of signing up and a 15-month 0% APR introductory rate for purchases. Cash advances have a 26.74% APR.

What Are the Fees for the Citi ThankYou Preferred Card?

Citi ThankYou Preferred Card has a 3% foreign transaction fees, so it shouldn't be your first choice when traveling abroad. There is also a $5 or 3% (whatever is greater) balance transfer fee, and a $10 or 5% cash advance fee. The return payment and late payment fees are $35 each.

What Is Citi ThankYou Preferred's Rewards Program Like?

Citi's ThankYou rewards program gives you double points for dining out and entertainment purchases, which makes it particularly useful for people who regularly use their card for those kind of purchases. For all other purchases you get just one point for every dollar spent. ThankYou points can be redeemed to buy a wide selection of home goods, books, travel rewards and even cashback. The conversion rate is one cent for every point, so 20,000 points is the equivalent of $200. Additionally, cardholders also receive special access to exclusive events.

What about the Citi ThankYou Preferred Card's Signup Bonus?

There currently is no signup bonus. 

Does the Citi ThankYou Preferred Card Have Any Other Benefits?

Citi ThankYou Preffered Card includes premier benefits and perks usually exclusive to prime cards with hefty annual fees. Benefits include worldwide car rental insurance, price rewind, extended warranty, trip cancellation insurance and $0 liability on unauthorized charges.

How Is Citi ThankYou Preferred Card Better Than Other Credit Cards?

Citi ThankYou Preferred Card's rewards program and benefits includes services and perks you generally would only expect from prime cards with expensive fees and stringent credit requirements. The double points on entertainment and dining out purchases make it easier to earn points faster. However, people planning to use it abroad or who are often late making payments should pay special attention to the foreign transaction fee and the hefty penalty rates.

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  
Late Payment Penalty $35
Returned Payment Fee $35
Minimum Interest Charge $0.50
Balance Transfer Fee % 3%
Balance Transfer Fee Minimum $5
Foreign Currency Transaction Fee 3%
Minimum Age 18
Credit Score Range 700 - 850
850 300 700
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

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