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

citi thank you preferred credit card Sponsored Card
Required Credit Score: Excellent
3.5 206 reviews   Write a Review!
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Existing Cardholders

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

Intro Rate on Purchases
0% for 12 months
Intro Rate on Transfers
0% for 12 months
Regular Rate
12.99% - 22.99% (V)
  • BALANCE TRANSFER FEE 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
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 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
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Citi ThankYou® Preferred Card – Earn 20,000 Bonus Points Reviews

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Overall Rating: 3.7 / 5
Total Ratings: 206
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Nov 10, 2014
Photo of Patrick R.
Good card, lots of perks and bonuses. Had this for years. No fee.
Oct 22, 2014
Photo of Jeff L.
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
Sep 29, 2014
Photo of Kasheba G.
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.
Aug 21, 2014
Photo of AL D.
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...
Oct 25, 2014
Photo of Vikki K.
Vikki Chabot Mcfarland Knieriem
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.
Jul 3, 2014
Photo of Cain M.
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.
Jun 18, 2014
Photo of Aaron G.
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.
Sep 26, 2013
Photo of Jesse S.
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
Mar 14, 2013
Photo of Joey B.
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.
Feb 11, 2013
Photo of Zina R.
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!
Jan 18, 2013
Photo of Agatha A.
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
Jan 18, 2013
Photo of Peggie W.
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
Jan 11, 2013
Photo of Tyler K.
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
Aug 14, 2012
Photo of Brent L.
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
Aug 1, 2012
Photo of Ashanti D.
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
Jul 12, 2012
Photo of Lucie M.
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.
Jun 22, 2012
Photo of Lando L.
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
Jun 14, 2012
Photo of Lorraine P.
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
Apr 24, 2012
Photo of Margie C.
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
Dec 12, 2011
Photo of Joe W.
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
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Last updated on: Nov 11th, 2014 at 2:35 EST