Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points
Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points
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Accepted Credit Scores
Excellent Credit
Annual Fee
$0
APR on Purchases
12.99% - 22.99% (V)
Balance Transfer
APR: 12.99% - 22.99% (V)
Balance Transfer Fee
Rewards
Earn 30,000 bonus ThankYou® Points, redeemable for $300 in gift cards from a wide range of merchants.
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 for gift cards, electronics, travel rewards and even cash rewards or statement credits.
Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points' Additional Info
Travel with ease and enjoy global acceptance with Chip Technology
No annual fee.
cash advance fee | 5% (min $10) |
cash advance APR | 25.24% (V) |
foreign transaction fee | 3% |
smart chip | Yes, chip-and-signature |
max late fee | $35 |
max overlimit fee | $0 |
max penalty APR | 29.99% (V) |
grace period | 23 days |
Compare The Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points vs. Popular Alternatives
annual fee$0 | annual fee$95 | annual fee$0 |
rewards rate | rewards rate | rewards rate |
bonus offer | bonus offer | bonus offer |
Purchase Intro APRNot Offered | Purchase Intro APRNot Offered | Purchase Intro APR0% for 12 months from account opening |
transfer intro aprNot Offered | transfer intro aprNot Offered | transfer intro aprNot Offered |
Regular APR12.99% - 22.99% (V) | Regular APR21.49% - 28.49% (V) | Regular APR20.24% - 29.99% Variable |
Sponsored Apply Now | Sponsored Apply Now |
Questions & Answers
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Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points Reviews
Share your insights and review for the Citi ThankYou® Preferred Card – Earn 30,000 Bonus Points
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Pros
- No annual fee: Unless a card offers rewards lucrative enough that it’s still more valuable than the competition even with an annual fee, you should avoid these fees.
Cons
- $250 initial bonus: Since you can get $500 on travel with the Chase Sapphire Preferred and the Hilton Card gives you a bunch of free nights, getting $250 in the form of gift cards isn’t all that great.
- Base rewards: One point per dollar spent isn’t all that competitive, a number of cards give you 1.5% - 2% cash back on all purchases and others give much more on specific types of purchases.
- 0% rates: The Citi Thank You Premier Credit Card doesn’t offer any, so there’s no interest rate incentive to get it.
As you can guess, I didn’t end up getting the ThankYou Premier Citicard. It just doesn’t stand out relative to the other options I have and it would be a negative value proposition to get it.
The Chase Sapphire Preferred would be a good card to target because it gives you either $625 in airline and hotel expenses or $500 cash. If you want a combo of a good bonus and ongoing rewards, it bears seeing what else the Citi ThankYou Preferred Card offers. Not too much it seems. Just 1 point per $1 spent and an “anniversary bonus” whatever that means. The ThankYou Premier Card doesn’t have a low introductory interest rate either. So I’d probably say that you should definitely explore other options before applying for this Citi Premier Card. I’d recommend the Capital One Venture Card, the Sapphire Card mentioned before and the version of the Citi ThankYou Premier Card that offers $500 in gift cards. Yeah, there are apparently two of these babies. The difference between them (besides the gift card bonus amount obviously) is that the version with the lower bonus does not have an annual fee ever and the one with the higher bonus has a $125 fee beginning in the second year. I’d say thanks but no thanks to the $250 version of the Citi ThankYou Premier Card as a result and why thank you to either the version with a better bonus or one of the other cards mentioned in this little review.
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