Citi ThankYouSM Preferred Card - $150 Gift Card
Sponsored Card
- Minimum Credit Required:
Excellent - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus 15,000 points |
Base Earn 1 point / $1 |
Max Earn 5 points / $1 |
Earn / Redeem Limit No |
- $150 gift card - When you redeem the 15,000 bonus ThankYou® Points received after $1,000 in purchases within 3 months of account opening.
- 5 ThankYou Points for every $1 you spend on purchases at gas stations, supermarkets and drugstores for 12 months and 1 point for every $1 you spend thereafter.
- No expiration and no limit on the points you can earn.
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
| Intro Rate Not Offered |
Intro Period N/A |
Regular Rate 12.99% - 22.99% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate12.99% - 22.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
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Citi ThankYouSM Preferred Card - $150 Gift Card is related to the following credit card categories:
- Unsecured VISA Credit Cards
- Citibank Credit Cards for Excellent Credit
- Low Interest Points Credit Cards
- Low Interest Credit Cards
- Low Interest No Annual Fee Credit Cards
- Low Interest Visa Credit Cards
- Points Credit Cards for Excellent Credit
- Rewards Credit Cards with No Annual Fee
- VISA MasterCard
- Low Interest Credit Cards for Excellent Credit
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi ThankYou℠ Preferred Card - $150 Gift Card shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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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 18 months if that’s what you’re after though). Both have 12.99% - 22.99% APRs, and they’re both obviously Citi ThankYou Premier Cards. That’s where the similarities end. How they differ. Obviously one of these Citi Thank You Premier Credit Cards gives an initial bonus worth $100 more, but the question is whether the Citicard with the less lucrative offer makes up for this in any way. Well, it does by giving you 5 points per dollar at supermarkets, gas stations and drug stores for 12 months before settling into the 1 point per dollar spent across all purchases rewards offered by the other Citi ThankYou Preferred Card. You therefoe have to ask yourself whether these points would add up to $100 over the course of a year. If they will, then the Citi ThankYou Premier Credit Card - $150 gift card initial bonus version would be better. Which should you choose. I wouldn’t choose either of these cards. You can get better intial bonuses from a few other cards (Chase Sapphire Preferred, British Airways Card, etc.) and better everyday rewards (that will last you more than a year) from cards like the Amex Blue Cash Preferred.
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 else is on the market for someone with excellent credit. This Citi ThankYou Card also offers 5 points for every dollar spent at gas stations, supermarkets and drug stores for the first year of use, 1 point on every dollar spent after that, and 0% on purchases and balance transfers for 12 months. There are actually better options for basically every feature of the Citi ThankYou Premier Card. Its $100 initial bonus is easily bested by its brother, the Citi ThankYou Premier Credit Card - $500 in gift cards, which requires you to spend $2,500 in the first three months in order to get this higher bonus. The Blue Cash Everyday from American Express, which offers 3% cash back at supermarkets, 2% at gas stations and department stores, and 1% on everything else, has better rewards than the $100 version of the Citi ThankYou Credit Card. The Citi Simplicity Card, with its 0% on purchases and transfers for 21 months, has better introductory rates. Hey, at least the Citi ThankYou Premier Card - $100 gift card offer is polite.