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  Citi ThankYou Preferred Card for College Students

Out of Business

Citi ThankYou Preferred Card for College Students

in Personal Credit Cards from Citibank

Out of Business

Citi ThankYou Preferred Card for College Students

in Personal Credit Cards from Citibank

SuperMoney Net Recommendation Score +50%

SUPERMONEY NET RECOMMENDATION SCORE

+50%

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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.

Strongly recommended

7 users recommend
4 users are unsure
1 user doesn't recommend
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Highlights
Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 14.49% - 24.49%
Balance Transfer APR  (Variable APR) 14.49% - 24.49%
Credit Score Range 650 - 850
Annual Fee $0
Number of Reviews 12

Citi ThankYou Preferred Card for College Students Review

Citi ThankYou Preferred Card for College Students is a rewards credit card issued by Citibank. If you're wondering whether Citi ThankYou Preferred Card for College Students is the right card for you, read on. This is everything you need to know to make a good choice.

Key Takeaways
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases.
  • Competitive APRs. Citi ThankYou Preferred Card for College Students has a variable purchase APR that ranges from 14.49% up to 24.49%.
  • 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.
  • 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.
  • Fair or better credit required. You stand a chance of qualifying if your credit score is not below 650.
Citi ThankYou Preferred Card for College Students Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • 0% APR on new purchases .
  • No annual fee.
  • Cardholders can earn rewards on every purchase.
  • Earn rewards on every purchase.
  • Cardholders can earn rewards on their purchases.
  • Does not offer a signup bonus.
  • Charges a foreign transaction fee of 3%.
  • Does not report to credit bureaus.
  • Does not include many credit card rewards.
Citi ThankYou Preferred Card for College Students FAQ

Is there a Citi ThankYou Preferred Card for College Students cash back or rewards program?

Citi ThankYou Preferred Card for College Students offers a rewards program to its customers.

Citi ThankYou Preferred Card for College Students Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

Does Citi ThankYou Preferred Card for College Students have a signup bonus?

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

Does Citi ThankYou Preferred Card for College Students offer an annual loyalty bonus?

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

What are the relevant APRs for Citi ThankYou Preferred Card for College Students?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citi ThankYou Preferred Card for College Students has lower than average purchase APRs.

Citi ThankYou Preferred Card for College Students has a variable purchase APR that ranges from 14.49% up to 24.49%. The card has a variable balance transfer APR that ranges from 14.49% up to 24.49%. 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 Preferred Card for College Students have an introductory APR offer on balance transfers?

No, Citi ThankYou Preferred Card for College Students does not come with an introductory APR offer for balance transfers.

Does Citi ThankYou Preferred Card for College Students have an introductory APR offer on new purchases?

This card does offer an introductory APR rate of 0% on qualified purchases

Citi ThankYou Preferred Card for College Students Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period (months) N/A

What are the fees for Citi ThankYou Preferred Card for College Students?

The following fees apply to Citi ThankYou Preferred Card for College Students:

  • There is no overlimit fee
Citi ThankYou Preferred Card for College Students Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Late Payment Fee $35

Does Citi ThankYou Preferred Card for College Students have a foreign transaction fee?

Citi ThankYou Preferred Card for College Students 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 a foreign transaction fee.

How to apply for Citi ThankYou Preferred Card for College Students

  • Visit the Citi ThankYou Preferred Card for College Students 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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

Every Purchase (Points) 2 points per $1 spent
No Annual Fee  
Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 23 days
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $0.50
Returned Payment Fee Starting at $35
Late Fee Amount $35
Customer Type Student
Minimum Age 18
Credit Score Range 650 - 850
Bonus Rewards 2,500 bonus points
Rewards Categories
  • Every Purchase
  • Restaurants
Rewards Type No Rewards
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 14.49% - 24.49%
Balance Transfer APR (Variable APR) 14.49% - 24.49%

Citi ThankYou Preferred Card for College Students Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

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-100% 0% +100%
No one recommends Everyone recommends

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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