Citi® ThankYou® Credit Card
Sponsored Card
- Minimum Credit Required:
Excellent, Good - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus None |
Base Earn 1 point / $1 |
Max Earn 1 point / $1 |
Earn / Redeem Limit No |
- Earn 1 ThankYou Point for every $1 you spend on purchases.
- Earn an anniversary bonus on points earned from purchases every year.
- Enjoy no limit on the number of points you can earn.
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more.
| Intro Rate 0% |
Intro Period 15 months |
Regular Rate 12.99% - 22.99% (V) |
| Intro Rate0% | Intro Period15 months | Regular Rate12.99% - 22.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- 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.
- 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® ThankYou® Credit Card is related to the following credit card categories:
- Low Interest Citibank Credit Cards
- 0% Interest Credit Cards
- Travel Rewards Credit Cards
- Rewards Credit Cards for Excellent Credit
- Visa Credit Cards for Good Credit
- Low Interest No Annual Fee Credit Cards
- 0% APR Rewards Credit Cards
- Citibank Credit Card
- Visa Balance Transfer Credit Cards
- VISA Rewards Credit Cards
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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® Credit Card shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 3:33 EDT
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We as consumers must not have done very much for Citi lately because their thank you seems to be a bit lacking. I mean 0% for 15 months on purchases and balance transfers is pretty good, but Citi itself offers three different cards that give you 0% on both for 18 months. And if you want a really good balance transfer card, you’ll probably opt for the No Balance Transfer Fee Slate Card from Chase, which offers 0% for 15 months. Moving on to rewards, the Citi Thank You Credit Card gives you 1 point per dollar spent across all purchases, which isn’t competitive to say the least. This ThankYou Citicard, which requires excellent credit for approval by the way, doesn’t offer an initial bonus either. So semi long story short, I wouldn’t open the Citi ThankYou Card. What would I get? Well, my favorite cards are probably the aforementioned Slate Card, the Chase Sapphire Card ($500 travel oriented initial bonus), the Citi Platinum Select MasterCard and Diamond Preferred Card (0% for 18 months), and the Blue Cash Preferred from American Express (great everyday rewards). If you get the right ones of these for your needs, youre in a much better situation than if you get this Citi ThankYou Card. (Note: There are a few different Citi ThankYou Cards, and while the others offer some value via modest initial bonuses, they aren’t too great either).
U can churn these like crazy though
Won Buddy Lee Do you mean that you can churn the Citi ThankYou Cards that offer some sort of initial bonus (i.e. the Citi ThankYou Premier and the two ThankYou Preferred Cards)? Cause I don’t see how churning the plain old Citi ThankYou Card would be beneficial. I mean, I guess this card’s 0% intro period could allow you to leave credit card payments in the bank collecting interest for longer, but there are cards better suited to this and bank account rates aren’t that high right now. Anyway, can you also explain exactly what you mean by churning and what your fave cards to do this with are? I’m pretty sure you’re talking about opening cards to take advantage of their initial bonuses and then closing them. If this is correct, why use one of the Citi ThankYou Cards when you can find more lucrative initial bonuses elsewhere? I’d, uh, well, thank you for some more of your thoughts on the Citi ThankYou Card.
Margie Cole hey Margie. I'd be happy to help! A lot of credit cards, especially your favorite Cap1 venture won't let you churn them quickly. What that means is .. well let's dig a bit deeper. what we love about credit card nowadays, as you have mentioned is the initial bonus. They are great because they are big, and they are FREE! so what is churning? say you apply and get approved for cap1 venture card, and you received 100k pts ("quote on quote miles") as signup bonus. after a couple of months, you close it. What if you want to open this card again? Cap1 will say NO to giving you initial bonus again. They will say, according to our database, you have already received initial bonus from us, so even if you apply again, and get approved, we won't give you the initial bonus. sorry. citi for many cards, however, WILL give you initial bonus ALL OVER again. So you apply for this card, get the bonus, use it couple of months, cancel it. wait a month or two, and then apply again, and viola~ you get initial bonus all over again. THIS is precisely reason why i tell you credit rating is so crucial, and i hate cap1 for pulling from all 3. because it just lowers my opportunity to apply for new cards constantly and get free initial bonuses. hope this helps!
Margie Cole and to your question why this card and not others? because this card is known to allow rapid churning. you can, if you time it right, churn this even 2-3 times a year (or at least used to until last yr, i don't have this card this yr, so i don't know whether their rule changed).
Won Buddy Lee - Love your strategy on churning! How many credit bureaus does Citi pull? Do you happen to know which credit bureaus does each of the major issuers use? If you have such a list it would be extremely helpful.
@[24290186404:274:Card Hub] depends on which state you live in. I can't, and won't know which bureaus citi pull other than my own. Citi only pulls (usually) one. But i have report before that they pulled from two to another card user. I have had 8 different Citi cards (all different, some churning and some not), and all 8 times, it was only pulled from one bureau.
Won Buddy Lee Interesting, I was under the impression that the fine print of all these initial bonus credit cards says the initial bonuses are only available to new customers, and not just of a particular card like one of the Citi ThankYou cards, but of any Citi credit card. That would make sense since credit card companies are trying to use the initial bonus to lure new customers, not ones they already have in the bag. I actually just checked, and the Citi Thank You Preferred (just an example) says the bonus points are only available one time for new enrollees in their rewards program and if you are already enrolled you don’t get em. I guess by canceling any Citi rewards card you have before applying again, you trick the system?
Margie Cole It's imperfect system. Of course under T&C any credit card companies would write "this is for new account user only". I mean, they LOSE money by offering such lucrative initial offers. Keep in mind that they only give those initial benefits because long term perceived benefits (you keeping them open, and HOPEFULLY YOU NOT PAYING IN FULL - massive interest charge). Going back, system is imperfect. I am not a computer program engineer, so i don't know how they code their database to catch these churners. Cap1 seem to do a good job of it. Citi say they won't let you (and they have begun to be more strict) but a lot of these cards have been churnable, and still are. on the side note, Amex churning rate is 2 years. That is to say if you reapply within 2 yr frame, amex database will have you as repeat user, and won't give you initial bonus again. however, the prevailing thought is that after 2 yrs of inactivity (closed account) the database will purge your information, and your "new" application will be treated as new
Won Buddy Lee - Federally regulated credit card issuers (like Citibank) do not alter how many credit bureaus they access based on the state. Maybe Citibank has a different policy for business credit cards vs general consumer credit cards, but I highly doubt that for some consumer credit cards they access 2 credit bureaus while on others they only access 1. This is a very interesting topic you are bringing up. What has your experience been with Chase or any other major issuer? Thanks again for sharing!
@[24290186404:274:Card Hub] i didn't mean that they change # of bureaus they pull from. What i meant was that different state seems to pull from different bureau. My citis have been primarily pulled from Experian. But mongering around webpages (the most popular one), people have posted getting pulled from equifax as well, so that's what i meant by differing by the states. I am but a single user, and from my personal experience, all my citi pull was only one hit. However, the person who frequently post on blogs did write that he was pulled from two when applying for citi.