Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points

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Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points’ Rewards

20,000 points
Base Earn
1 point / $1
Max Earn
2 points / $1
Earn / Redeem Limit
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening – redeemable for $200 in gift cards or other great rewards!
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment.
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points.
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.

Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points’ Key APRs & Fees

Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months
Regular APR
12.99% - 22.99% (V)
  • ANNUAL FEE $0*
    3% (min $5)

Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points’ Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
    25.24% (V)
    5% (min $10)
  • SMART CHIP   Yes, chip-and-signature
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • Travel with ease and enjoy global acceptance with Chip Technology.
  • No annual fee.*
Apply Now
at Citibank’s
secure site

Customer Questions and Answers

Don't see what you're looking for? Submit your question about Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points to our community.

How large of a balance can be transferred?

Photo of Card H.
Oct 29, 2015
That ultimately depends on how big of a credit line you get approved for. You can transfer any amount as long as it, together with transfer fees and unpaid balances from any purchases you’ve made, do not exceed your credit limit. If you have a $10,000 credit limit, for example, and you haven’t made any purchases yet, you could transfer up to about $9,700. Hope that helps!
1 Votes 2 1

If I use the card abroad, do I get rewards?

Photo of Card H.
Nov 13, 2015
Yes, all purchases made with this card earn rewards -- regardless of what country you’re in. Just keep in mind that a 3% foreign transaction fee will apply to any purchase processed outside of the U.S., and that will likely eat away at most of your reward earnings. If you have enough time before your trip, you may want to consider applying for a card with no foreign transaction fee:
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Customer Reviews

Share your insights and review the Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points.

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3.6 out of 5

294 reviews
Photo of Stephen M.
Jul 2, 2015
I received my Citi Perfered card back in Jan, With a offer of 20,000 points after sending 1,500 in the 1st 3 months. I have spent well over that and didn't get my signing bonus. So I contact them online chat twice now, and they say that can't find that offer, which is still being offered now but they say my account doesn't have that offer attached to it, so the gave me 2,000 and a courtesy. Needless to say once I pay off the balance they can take their card and shove it.
Photo of Kelryse B.
Jun 3, 2015
I have this card and the Citi® Diamond Preferred® Card, which I have also written a review about. I trust Citibank and they have always been good to me. I needed two cards, one for personal and one for business. I have had no problems with either card. This card is especially good if you like to use the rewards program. I don't so I can't really comment on that. All in all, good card and good company.
Photo of Lucine K.
May 4, 2015
Worse card... worse customer service!!! beware they will take your money.... after paying off over 8K they charged late fees and to say that its previous balances which clearing when you pull the statements and our bank accounts we had paid off the balance.
Photo of Jon G.
Mar 23, 2015
This is an excellent card if you're like me and pay off your balances in full every month. I never carry a balance, so I'm not concerned about the interest rates, but if I ever had to, the rates are low enough that they won't crush you. More importantly, however, are the rewards. They are terrific! When I signed up for this card, I got a $150 Amazon gift card just for spending $1000 within the first three billing cycles. Sweet! And, on top of that, I also got points from my spending too, so I've got about $170 waiting for me at Amazon. Yes!
Photo of Samantha K.
Mar 20, 2015
This card was one of the better cards that I have used. First, they approved me even with my history. Never had any issues with the card or customer service or website. I liked having the Citi Card as well as it had access to their citi rewards and the ability to use your card number to get access to pre-sales on concerts. Earnings rewards was also a great aspect. Definitely recommend.
Photo of Patrick R.
Nov 10, 2014
Good card, lots of perks and bonuses. Had this for years. No fee.
Photo of Jeff L.
Oct 22, 2014
The Citi ThankYou Preferred Credit Card is a pretty good card to use if you have really good credit and are looking at getting a brand new credit card.

As long as you are a responsible consumer, this card will be pretty good for you. Annual fee is always one of the first things that people look at when thinking about getting a new card and there's no annual fee here. For the first year there is no interest on balance transfers or purchases which is pretty common these days but still a relief to see. Once those twelve months are over, you will then pay 3% for balance transfers and more
Photo of Kasheba G.
Sep 29, 2014
I have been a member of citi bank since the start of my college days, I had my very first student credit card with them and eventually moved on to the Thank You preferred visa card I love earning my bonus points for entertainment and dining and earning 1 point for every dollar that I spend this definitely a card that I recommend for those who love earning points with the purchases that they make.
Photo of AL D.
Aug 21, 2014
lt ls funny to me the fact that l have a Bank 0f America Credit Card, a Chase Credit Card, a Capital 0ne Credit Card and a Discover Credit Card But l was REJECTED / DENIED for a Citibank Credit Card 2 Times already, They sure have NO love for me...
Photo of Vikki K.
Oct 25, 2014
Actually having several accounts is not always benificial. The banks look at your "debt to income ratio" even if you dont use those other cards, the banks concern is you could max them out and wouldn't be able to pay on them.
Photo of Cain M.
Jul 3, 2014
I have have had this card for years. I have a bank account with Citibank, and this card works well with that. I can pay online and also check my other accounts, every simple and well done on the website. The card benefits are also very good the point system with a large variety of rewards. They always have different promotions going on where they offer increases amount of points for a set period of time. Nice card to have.
Photo of Aaron G.
Jun 18, 2014
The rewards are not as good as Citi makes them seem. My Visa from Chase has better rewards than this, and you need only fair credit to get that card. This card is significantly overrated. The APR is irrelevant to me because I NEVER carry a balance.
Photo of Jesse S.
Sep 26, 2013
The Citi Thank You Preferred Rewards Card is a pretty awesome card to. I like the idea of get points for things that I am going to purchase anyways. Once those points add up I can get myself free stuff or gas. My interest rate is only 13 percent and that is pretty reasonable for a credit card. The fact that there is no annual fee just makes this card that much better. I don't transfer debts from one card to any other so the transfer fee does not apply to me. Lastly, I love that the points don't ever expire. It would be crazy if you only had a more
Photo of Joey B.
Mar 14, 2013
I have had this card for four months, and received a $150 bonus in points. I’m impressed with the selection of available rewards and the reward rate is double other cards when you consider the annual bonus. One point is roughly one cent for redemption purposes. In addition to travel or cash rewards, the reward can be used at amazon, which is great for me. I’m not impressed with the annual fee, and not sure if I’m going to be keeping the card past then. But so far, it has been outstanding. We have used this as our primary card.
Photo of Zina R.
Feb 11, 2013
I've had the Citi rewards card for many years now. Because of the good amount of rewards you can accrue I use it for absolutely everything from grocery shopping, monthly bills, you name it. With every credit card the trick is to live within your means and only buy what you can afford to pay off. If carrying a balance the rewards will do you no good. In my situation I'm actually making money with this card because I spend a lot on it, get a lot of rewards from it but pay no annual fee or interest rate charges. Good card if you play it smart!
Photo of Agatha A.
Jan 18, 2013
Seriously the best card out there hands down. The rewards system is top notch so I tend to use this card with absolutely everything I purchase. Very low APR which doesn't have me worrying to pay off the balance every month. Best part of the card compared to the premier is the no annual fee while the Premier has $125 in yearly fees. And with their $5 points per dollar for the first 12 months you can really rack up the bonus points. Overall I would for sure highly recommend this card. While it may not be the best rewards card out there, overall combined with such a low APR more
Photo of Peggie W.
Jan 18, 2013
I have had this card for a couple of years now, and I have been very pleased with it so far. I first got it because I was planning on buying an expensive television, and I knew I would reach 1000 dollars within three months so I would be eligible for 150 dollar gift card. This was a great deal for me. The rewards points really do add up and there are a surprising number of retailers that you get points for. The application process was relatively painless and I received my new card promptly. I have had instances where I was out of town and making multiple purchases and more
Photo of Tyler K.
Jan 11, 2013
I've owned this card for about 2 years. I've actually really enjoyed it, the limit is high enough that I can buy big ticket items when I went but not so exorbitantly high that if it got stolen somebody could go buy a few cars and a limo out on the town. What I really like is the rewards points, as long as you pay off your credit each month you basically accrue free money just by using the card. You can redeem the points for either cash or an item (they have a huge selection to choose from). If you choose cash you obviously don't get as much as more
Photo of Brent L.
Aug 14, 2012
I've had this card for a few years now. When I first applied online, the browser was acting up and apparently I ended up applying for 2 cards, so they sent me 2 identical cards. When I called them and tried to cancel 1 of the cards, they offered me extra points to keep it and I ended up getting the introductory rewards for both cards. So I ended up with a windfall of ThankYou points from my mistake. Overall it's been a fine card, but they don't have the 5% point categories like some other cards do, so I don't use it as often anymore. I did eventually cancel more
Photo of Ashanti D.
Aug 1, 2012
The Citi Thankyou Card has worked very well for me. It has a relatively low APR, no annual fee, and they also offer you sign-up bonus reward points. One of the important aspects for me was how diverse the rewards selection was, and I can tell you that it's great! Citi offers a wide variety of rewards you can choose from, and it really isn't that hard to accumulate a sizable amount of points. Another note that is worth making is that I have had great customer service with Citi. I've encountered just a couple of issues while I've had this card, but both times their employees were very efficient more
Photo of Lucie M.
Jul 12, 2012
I love the rewards offered by the Citi Thank You Card. The points can be redeemed for relevant merchandise or gift cards. The points seem to add up very quickly, and it is always easy to log into the account and see where you stand points wise. In addition you can earn extra points through other websites and use them with your card rewards. Citi has great customer service, and if a problem arises with the card they seem very willing and capable of helping you out, and answering any questions.
Photo of Lando L.
Jun 22, 2012
Ive been a Citicard holder forsometime now and I have to say its a really good card. With a low APR and no annual fee this card is the way to go if you want to save money. Oh did I'm mention that you also get thatk you rewards for everyday purchases using your citicard. That's right you get rewards. I like using my rewards on giftcard and plain and simple gifts. Also they offer protection against unauthorized charges. Plus free card replacement. I know this because I called for them to send me a new card and they didn't even charge me a penny. Plus it came fast. isn't more
Photo of Lorraine P.
Jun 14, 2012
I started using Citi because they had the lowest interest rate available. What was a bonus on top of that was the Thank You points that I earned for making everyday purchases. Before I joined with Citi ThankYou Premier Credit Card, I was looking a Capital One, but I just felt like Citi might be the better choice.

For me, I think it was the better choice. I have gotten cash back that I have been able to use on expenses with my car. And the best part when I joined was I had not interest for the first 6 months. Occasionally, I will look to see if there is a more
Photo of Margie C.
Apr 24, 2012
Who would get the Citi ThankYou Premier Credit Card offering $150 in gift cards when there’s one offering $250? That’s what first came to my mind when I saw the two different Thank You Premier Citicards, and I bet this confuses a lot of other people as well. To understand the differences between these two offers, you gotta dig a bit deeper than their names, I found.

How they’re the same.

Both the $150 gift card Citi Thank You Premier Card and the $250 version require excellent credit and don’t have annual fees. Neither offers low introductory interest rates (there are three Citicards that offer 0% on both purchases and transfers for more
Photo of Joe W.
Dec 12, 2011
Citi certainly appears to be trend surfing these days. I mean it’s currently popular to offer initial rewards bonuses to new customers who open certain cards and spend a certain amount in the first few months. Everybody’s doing it. I also read somewhere that gift cards are the most popular gift like six years running. The Citi ThankYou Premier Card - $100 gift card combines those two things, giving you an initial rewards bonus in the form of a $100 gift card after you spend $500 in the first three months. But don’t jump at the chance to get this card before you know what else it offers and what more
+270 users submitted a rating without a full review
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Last updated on: Nov 19th, 2015 at 5:36 EST

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