Citi ThankYou® Preferred Card – Low Intro APRs

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Info about the Citi ThankYou® Preferred Card – Low Intro APRs has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Citi ThankYou® Preferred Card – Low Intro APRs’ Rewards

Base Earn
1 point / $1
Max Earn
2 points / $1
  • 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 – Low Intro APRs’ Key APRs & Fees

Purchase Intro APR
0% for 15 months
Transfer Intro APR
0% for 15 months
Regular APR
12.99% - 22.99% (V)
  • ANNUAL FEE $0*
    3% (min $5)

Citi ThankYou® Preferred Card – Low Intro APRs’ 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
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 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*

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Customer Reviews

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2.7 out of 5

415 reviews
Photo of BuffaloBill
Feb 4, 2016
I first got this card simply because I had balances I wanted to transfer, and they offered a generous term length on a 0% APR transfer offer. I wound up continuing to use it even after paying down the balance, as the Thank You points accumulated at a decent rate, and rewards could be used for anything (which is a big plus for me).
Photo of Josh T.
Nov 6, 2014
I pay my balance off every month so the APR is not such a big deal to me (though it is a nice feature to have just in case). What I really love about this card is the rewards program that is offered. With the amount of money I spend every month, I typically get back enough reward points to buy a $50 gift certificate to a number of online retailers. When I've had any issue with the card, the online chat has been able to solve it almost immediately. When I reach for my wallet, this is always the card I use!
Photo of Christopher P.
Oct 14, 2014
I have been using the Citi Thank You Preferred card for the last year and so far it has been a fantastic card. The card started off with 0% APR for the first 12 months, so I was able to make big purchases with it, without having to worry about paying it off immediately. Even if you are unable to pay it off after the 12 month grace period, the APR after that really isn’t that bad. The rewards are fantastic as well! Great Card.
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 Rachel D.
Sep 2, 2014
I once had my card number stolen. Citi alerted me right away, and once I contacted them took care of the problem in less than 15 minutes.
Photo of Pravina F.
Aug 28, 2014
I have used Citi Visa in the past when I was a lowly graduate student. They made it so easy for me to fall into debt by giving me over $15000 in credit and tons of cash advance options.
Photo of AL D.
Aug 21, 2014
it is funny to me the fact that i have a Bank Of America Credit Card, a Chase Credit Card, a Capital One Credit Card and a Discover Credit Card But i was DENIED / REJECTED for a Citibank Credit Card 2 Times already, They have NO love for me...
Photo of Peter B.
Aug 2, 2014
Love the 0% APR introductory rate for 15 months. The Thank You points are ok, and you can use them on Amazon. Not a bad credit card for rebuilding your credit.
Photo of Rhianna E.
Jun 19, 2014
This is a great card overall if you stay with the basic card. I don't think the preferred card with the $125 annual fee is worth it. I got this card when it was offered to me with a 0% APR interest rate and used it to transfer some high interest balances. They usually offer low APR balance transfers with low fees at least every few months. The rewards are easy to use and they offer the ability to cash in for Amazon credit. They have been especially great about disputed transactions. I have had two times within the past year when I had to dispute something. Both times the more
Photo of Richard D.
May 30, 2014
Just love this city card with its 0 annual fee and great rewards.I was pleasantly surprised to receive a larger than average credit limit. One great thing is Citi banks professional customer service team when you call in.Their on line account management web site is second to none too.
I did receive a lower than average APR and along with my rewards this card works for me.
Photo of Pi R.
Apr 4, 2014
This card is great if you get the offer of no interest for the first year, and pay the balance in full after that. They have the same deal for cash advance and they send you checks that you can write, but that has a flat 3% fee. Not bad if you are going to buy something big and effectively get 3% interest for a year. No annual fee for this one, 'thank you PREFERRED card" is great. Be careful, their other 'thank you premier card' has a whopping $125 annual fee after the first year! The website is very good, and the thank you points are easy to spend more
Photo of Oscar L.
Feb 17, 2014
The Citi ThankYou card is one of my preferred cards. The interest rate they charge me is not too high (at least compared to other cards I have) and the thank you point are an interesting way to be rewarded. Thankyou points are not too restrictive so you can use them even to pay part of your Citi bill.
Photo of Garrett B.
Jan 16, 2014
This is the first credit card I have had. I initially got it when I got my own auto insurance policy. Since then I have spent over 2000 dollars and never missed a payment. I love their points system and have used mine on Amazon countless numbers of times. When I had an issue and lost my card I got a new one promptly. This is the first card to accept me and it has helped me build my credit. I would recommend this card to all of my friends. The only issue I have is whenever I log in it wants me to sign up for a new service.
Photo of Julianne C.
Nov 6, 2013
I have had a citi card since 2003. It started out as my emergency card. The next thing I knew I was always having emergencies. I have transferred my balances away and back over the years. I currently have it locked in a safe because I realized that on my everyday purchases with a balance my interest rate was pretty high. But I have also loved my rewards from my card such as paying on student loans, blender, vacuum cleaner and other fun things that I typically didn't "need" but were always great quality perks. I think that if you just want rewards and can budget your money so you more
Photo of David C.
Nov 4, 2013
I was offered the Citi ThankYou Preferred card in the mail and decided to apply for it when I saw the 15 months of 0 APR. I was looking to spread some of my balances around and this worked great. I got a ton of points out of it that I redeemed for gift cards, so it was a great bonus. I have had no issues with this card and the APR I was offered was lower than some of the other cards I had. It is a solid card with solid offers and I've definitely been pleased with this.
Photo of Lily Y.
Oct 17, 2013
I would like to say Thank you to citi bank for this awesome card. I was young and did not know how to manage money. This card saved me in the sense that I was able to not accumulate interest on purchases and balance transfers. In 15 months I was able to pay off my debt. If you have debt I suggest using this card. The only bad thing is that Citi is an east coast bank. I live in the west coast so there were no branches here. I had to remind myself to pay early so that I don't get a late fee. Sometimes out of sight means more
Photo of John W.
Sep 6, 2013
This Citi ThankYou card is perfect if you want to open a new card and not have to worry about the initial financing fees that most rewards cards stick you with. The 15 months introductory offer of 0% interest is fantastic. You can easily make purchases and if you run a little tight on money one month you don't have to worry about getting dinged with interest charges if you wait a month to pay it off. This is one of the greatest perks of this card, because if you have a balance transfer or new purchases to make you can make them on this card and pay no interest more
Photo of Ariana M.
Aug 30, 2013
I only apply for credit cards when they have great introductory offers, and no annual fees or application fees. The Citi Thank You people sent me an offer where if I spent $1000 in the first three months I would get enough points to redeem for $150 in gift cards. After making sure the gift cards were to places I would actually use, I applied. I planned to get a Best Buy gift card but ended up doing Walmart. The gift card options really are varied enough that you don’t regret not getting cash back too much, but I do prefer to get cash back in my rewards. So after more
Photo of Hua D.
May 8, 2013
Citi customer service representative was deceptive!

I signed up for the 20000 bonus points for $3000 spent in the first 6 months, then another 20000 bonus points for the $3000 spent in the second 6 months, based on the term and conditions. I called the customer service to make sure my understanding is correct.

Interestingly, the representative told me the second 20000 bonus points will be awarded as long as I spent the second $3000, which can be in the first 6 months. Not believing what I heard, I asked the question from different angles 3 times, all confirmed by the representative. So I set out on my spending journey.

It turned out more
Photo of Cathrine G.
May 6, 2013
This card is great. I have been with them since 2007 and they have provided me with such great service. I've had my limit increased once when I didn't request it, but who can complain about that. When dealing with exchanges or refunds from other companies, they are very helpful and quick to solve all issues. They also send an e-mail immediately stating the changes that have occurred. Sometimes when I call, I feel great when I am being recognized for being with them for so long. Also their rewards program is great. It offers so many different varieties that I wish I can just get them all. They are more
Photo of Trish J.
Apr 13, 2013
I love my Citi Card! This year will mark 6 years since I first signed up for my first credit card- which is this credit card, and I feel like I'll have this card forever. I love that I am essentially buying things that I'd normally be buying with any other credit card, but I'm getting something back for it, in the form of points! And let me tell you, those points add up fast! Not to mention, the customer service really is great. Although they are at times a little pushy in trying to get you to sign up for some of their 'add on' services, they are extremely more
Photo of Bo D.
Mar 29, 2013
I have since cancelled my card. I had a pretty high limit and was never late with any payment on any of my statements. For some reason, out of the blue, Citi dropped my credit limit to $200 below what it used to be. I gave them a call and they said that unfortunately, new policies were in place that resulted in this and there was nothing they could do for me. I was very upset with this and cancelled because they hadn't even notified me of any changes -- I had to find out for myself. Very disappointed with this service and will not be using it again. I've more
Photo of Sean F.
Mar 29, 2013
All I want to do is say thank you to the citibank thank you rewards card. when I first bought this I didn't realize what I had. I use it all the time for everyday purchases and have watched my points build up since. I recently used this to rent a car. I've never used a card to do this before. I was able to upgrade to a really nice suv and didn't have to pay a cent. Plus because I used the card I did not have to pay for the insurance from the car rental place another plus. I want to save enough points to buy a tv more
Photo of Gordan T.
Mar 29, 2013
Previous to the Citi Thank You rewards card I had the Citi Drivers rewards program and it has been fantastic. The card is fee free and the rewards I get on everyday purchases are great. The few times I have lost the card I found it very simple to call and cancel, plus they sent me a replacement with no hassle and quickly. Although the interest rates are a little steep I still use the card frequently. I advise not being late on payments because they are not lenient on late payments and you will get charged. Other than that I would definitely recommend the card.
Photo of Ivonne S.
Mar 21, 2013
I have had my Citi Thank You card for a little over a year now. After the first year the fees increased and others were added. While that is normal I regret getting this card now. Compared to several friends I have spoken about it with the fees are higher than many other cards. The costumer service personal are thankfully very helpful and are some of the nicest costumer service people I have ever worked with. Once I pay off my outstanding debt on the card I plan on cutting it up and do not plan on getting another Citi Bank card anytime in the future.
Photo of Mike K.
Mar 21, 2013
This card was stolen from me and I needed to get in contact with Citi's customer service in order to resolve it. They had a very quick-responding fraud team that actually detected the fraud on their end and got in touch with me before I realized anything was wrong. That was impressive to me. Before that, I was happy with my card. The terms are fairly common for cards of this type, but any time I can extend my line of credit for no annual fee and help build up my credit score, I will take that opportunity! A great card that comes highly recommended, especially if you're not relying more
Photo of Akiko M.
Feb 21, 2013
I got this Citi card about a year and 1/2 ago in order to transfer my existing credit card balances and consolidate my credit card debt. I was surprised by a very nice credit limit when I applied and I haven't had any issues at all with the card. It's got a great time period for the introductory rates too which is what attracted me to it in the first place! I also love that it does not have an annual fee. I've also had good experiences dealing with their customer service, which I cannot say for some of my other cards. I highly recommend this card.
Photo of Mitzi B.
Feb 11, 2013
My citi credit card is the only card I use. We're very good about paying off our balance monthly so we never have to worry about the interest rate. The rewards points aren't as good as they used to be but considering we don't pay interest charges, they're a great bonus. You can get them in the form of gift cards to various places. Recently we got one to Home Depot, other times we've gotten them as gas cards or for other retailers. I really don't see myself changing credit cards. It serves our purposes just fine. Our credit max is very generous and customer service has always been polite.
Photo of Ed R.
Feb 1, 2013
My Citi Thank you card has been my primary credit card for several years now. Citi's customer servcie has been good to me, and I appreciate the rewards. I usually pay my card off within the grace period to avoid interest charges. The website is easy to navigate and find what I need when I log on. I like the fact that rewards can be used for in-store purchases, through the Thank You website, and through directly at check out. My points don’t usually get a chance to add up to much, because I used them so often for small incidental purchases when I feel like I want a more
Photo of Filipe L.
Jan 18, 2013
The Citi Thank you card is great for people with fair to good credit. Their rewards are comparable to other cards and over time you can redeem it for an item. You can also use the points to reduce your balance. When I had this card, I did not have to make a payment for over a year, which was a plus. This allowed me to catch up on other Bills, as most of us nowadays have to anyway. Their customer service department is attentive and friendly. I would recommend this card mainly because its associated with one of the biggest names and companies in the credit card world. Best more
Photo of Shannon J.
Jan 11, 2013
The Citi thank you card is an okay card. Like all rewards cards they pretty much offer the same thing. 1 point per dollar spent. Notbpad.. but you need so many points in order to cash in on something worth a crap. As in any rewards card the interest is a little higher (because of the rewards) but not ridiculously high as to where you would not want to have this card. I have never had any trouble with billing or charges or anything along them lines. Like I said, decent card. It has the Citi name which in itself tells you a lot.
Photo of Cat L.
Dec 26, 2012
The Citi Thank You Card was an excellent credit card. The reward points were great as they can be used in so many different ways with so many different companies. Personally I usually just cashed them in and applied the amount to my balance. The card had a 0% intro rate which was excellent. I did not transfer any balances using this card or take a cash advance so I can't comment on either of those features. Citi is an excellent company to use as they have great customer service. If you can get approved for this card I would highly recommend it.
Photo of Paul W.
Dec 7, 2012
I love my Citi Thank You Card just mostly because of the fact that I don’t have to make payments for the first 15 months and that makes it perfect for a new card holder around Christmas! I know I shouldn’t spend so much on credit but you have to splurge a bit on the holidays. They make my life really easy and at least I can say that I’m earning points. They have a modest 1 point per one dollar reward system that isn’t anything to over look. Its always worth getting those free points when you are going to spend the money anyway. The freedom to by what more
Photo of Evia M.
Nov 30, 2012
We cancelled this card. We used to have a very high limit and were never late with any payment on any debt we've ever owed. Then Citi dropped our credit limit to $200 above our balance. They were always sending us low interest rate balance transfer offers and we used them. Dropping our limit increased our percentage of credit used after they dropped the credit limit for no reason, it hurt our FICA credit score. This became a viscous circle. When we paid the balance down they dropped our limit again. We called and talked to them and only got BS. We'll never do business with Citi again. They're unethical more
Photo of Card H.
Feb 5, 2013
That is a really tough situation they placed you in. It's a place that many card holders found themselves in after the financial crisis, as most major credit card companies tried to clamp down and reduce their lending. It might not be much of a comfort, but it probably was not because of something you did.
Photo of Cristin K.
Nov 23, 2012
When I first got this credit card I was in college and It was a great credit card for me because it provided a lot of reward points for me. The card allowed me to get points for good grades and allowed me to used my rewards points to pay off student loan debt. I also liked the fact that gave me a credit limit of 4,000 while I was in college without a job. Now that I have graduated college I find the thank you card a lot less useful. I still have a high interest rate of 27% that was given to me while I was in college more
Photo of Eu H.
Nov 15, 2012
Citi ThankYou® Card was exactly and even more than I needed for all my needs. I really appreciate the fact that I am able to pay every single thing on time and that they give me some opportunities that I really like!
And, again, I’ve been using it for a long time – no problem, still. Everything is smooth and I am pretty sure that this was a very good choice for me. Reparations for my damaged car were paid easily with this card and the interest was low!
The customer service is also nice, as the staff gives me explanations and guidelines every time I contact them. They’re really willing to more
Photo of Colby H.
Nov 1, 2012
This was a good credit card in the beginning and I loved low intro rate etc. After I had it for few months I received a call from them saying that I haven't made payment and I need to make it or they'll cancel my card. I called them back after a day and told them that I already paid it. The lady at customer service was very rude to me and she acted like I was lying. I asked her that I wanted to talk to her manager but she refused to call her manager. I told her that I need my credit card statements and she said she more
Photo of Nessa S.
Sep 5, 2012
I am a pretty big fan of Citibank and this card in particular. The rewards are very good -one point for every dollar you spend- and there is no limit on the amount of rewards you can earn. Citibank also gives an annual anniversary bonus, which is a nice perk! I like to use this card for shopping, and it really pays some great dividends! Citi's customer service has always been helpful and friendly, which is important to me. I do wish the card had a more reasonable interest rate, but all rewards cards seem to really spike their rates. Just be careful not to carry a balance and you more
Photo of Patty M.
Aug 24, 2012
This card is what my old college student "Car Rewards" credit card turned into when I guess they ended that card/program a few years ago. It's your standard credit card - I've never had to contact customer service for anything other than activating a new card or payed late or gone over my limit, so I can't comment on any of those situations personally. The rewards program is "Thank You Rewards." To earn points you can either buy thing on-line through the website, or buy items in stores at certain stores, so you don't get rewards on all purchases and how many points you get per dollar depends on the more
Photo of Chelee M.
Aug 24, 2012
The Citi Thank You Rewards Card is the best rewards credit card out there for rewards. When we signed up we got 25,000 bonus points for signing up. I have seen several offers that are offering the same bonus for signing up to new customers. We love the rewards that are offered for gas cards and gift cards and merchandise. There is so much to choose from and we haven’t even cashed in our reward points because we can’t decide! I have never had to call customers service for any issues because we haven’t had any issues so far. We love this card!
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Last updated on: Feb 4th, 2016 at 12:00 EST

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