- Minimum Credit Required: Excellent, Good
- Annual Fee:$0*
- Network: VISA
|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.
- 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% (min $5)|
|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*
- Travel with ease and enjoy global acceptance with Chip Technology.
- No annual fee*
- 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%
If you currently have the Citi ThankYou® Card and are satisfied or you like the terms of this credit card offer please let your friends know.
Share your experiences, thoughts or just ask a question:
- Hua Ding:
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 too good to be true. Citi didn't give the second 20000 bonus points after I reached $6000 spending line. Contacted the customer service, the only answers are the repetition of the terms and conditions, twice, no matter how I pointed out it was the Citi customer service representative said so. From a retrospect, I am having a feel that Citi representative intentionally told me such to get me spend more with the card! And now I have no way to prove it, despite the creditability with Citi I supposed earned by being a top-tier Citi banking customer for years. Going to cancel the ThankYou for sure. What a waste of my time and money!
May 8, 2013 at 11:29pm
- Anonymous User:
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 great and I will continue with their service for a very long time.
May 6, 2013 at 03:23pm
- Trish Johnson:
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 helpful. In the past 6 years I've only had one minor problem, and it was a problem caused by me! This is truly a great company and credit card, and I would recommend this to absolutely anyone and everyone. Thanks, Citi!
April 13, 2013 at 02:25am
- Anonymous User:
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 since moved to a different service.
March 29, 2013 at 09:51pm
- Sean Forde:
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 one day... that may take a little while however it will totally be worth it. I tend to pay off my card before the end of the month so I never incur any interest charges so its like I'm making money buy buying the things I buy anyway. I love these kind of reward cards.
March 29, 2013 at 06:58pm
- Gordan Lightning Thienel:
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.
March 29, 2013 at 04:46pm
- Anonymous User:
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.
March 21, 2013 at 08:35pm
- Mike Kaduce:
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 on it as your primary card. The points don't hurt, either!
March 21, 2013 at 05:06pm
- Anonymous User:
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.
February 21, 2013 at 11:30pm
- Anonymous User:
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.
February 11, 2013 at 03:28pm
- Ed Ross:
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 Amazon.com 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 little something.
February 1, 2013 at 08:54pm
- Shannon Scott Johnson:
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.
January 11, 2013 at 06:38pm
- Cat Clarke Logan:
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.
December 26, 2012 at 05:40pm
- Paul Witree:
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 I want when I need it (like gifts for the kids) is so valuable to me I feel like this card has really saved the day this year.
December 7, 2012 at 04:21pm
- Anonymous User:
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 in their business practices and cannot be trusted.
November 30, 2012 at 08:53pm
- Anonymous User:
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 without a job and I still have that credit limit of 4,000 although I feel my current salary would justify my credit limit being a lot higher. My recommendation would be if you a young college student and you need a credit card you will be easily approved for with a decent credit limit then the thank you card is a good option, but if you are an adult then I think there are better option then the thank you card.
November 23, 2012 at 07:48pm
- Eu Hihi:
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 answer my every question! I’ve never expected to find such a good deal for me, but I expected a further usage of this. It’s simply wonderful!
November 15, 2012 at 07:57pm
- Anonymous User:
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 will send it but I never got any statements. Good card but their customer service is horrible.
November 1, 2012 at 02:14pm
- Nessa Selez:
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 should enjoy this card as much as I do!
September 5, 2012 at 04:20pm
- Patty Macho:
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 offer at the specific store. Rewards are your standard gift cards or items from a list for a certain amount of points. It's not a terrible rewards program, but there are better out there, so I don't use this card much, it's mainly one of my back ups.
August 24, 2012 at 11:47pm
- Chelee McKenna:
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!
August 24, 2012 at 10:45pm
- David Sanders:
I've had this card for a long time and they have proven to have good customer service. They have much better customer service than my primary credit card company in fact, which is why I still have the card even though I don't use it very often. The primary drawback to me is the rewards, because I'm all about rewards I don't really like this card because you don't really earn a whole of rewards with it, and the rewards that you do earn don't have a lot of attractive offers for redemption. Additionally you have to accumulate quite a bit of rewards before you can use them which I am particularly not fond of. However, outside of the rewards issue this is a good card with a responsive issuer that does deal with your issues if you have them and does a good job of keeping you informed of things like changes in policy or rates or fees, which is definitely a good thing.
August 16, 2012 at 01:46pm
- Anonymous User:
This was my first credit card to start with, I have used a few since but none have been as good as the Cit ThankYou cadr. 0% interest for the first 15 months is a great luxury most cards are 6-12 months, though I tend not to use it it's nice to know it's there for now. The rates after the first 15 months are reasonable, about on par with any other card so it's a neutral point. The nicest part is the rewards 1 point for every dollar really adds up and with most cards this is only a selling feature which disappears or drops after a while. I've used Citi for a lot other banking needs like loans and the service on them was great just like on this credit card. I would definitely recommend this card to a friend that's how good my experience with it has been.
August 15, 2012 at 04:14pm
- Frank Avalos:
This card comes highly recommended from not only myself, but also friends and family who have similar cards. When I had applied for this card, I wasn't expecting to be instantly approved, so needless to say that was a very pleasant surprise. I got in contact with a customer service representative just to go over the particulars, and I was amazed at how friendly and knowledgeable the representative was. It definitely made the experience more memorable. After my first few purchases and my first payment, its safe to say that I am a very satisfied consumer. I look forward to my continued use of this card and my time with Citi.
August 9, 2012 at 02:54am
- Tammy Slate:
I have had this card for four years now and really cannot complain. I have primarily used it for balance transfers. As other people have commented on it really has great rates for transfers. Unfortunately I have not been able to utilize the Thank You rewards as I do not use the card very much. What I do appreciate is that the interest rate is low and they do not hit you with annual fees. I have had other credit cards in the past and this is the only one I ended up being comfortable with. I would definitely recommend this card to anyone who is interested in building their credit.
August 1, 2012 at 11:36pm
- Anonymous User:
This card has been nothing but great for me. It's very easy to use and is accepted pretty much everywhere. I love the rewards program. I've been able to save up a good amount of money while using this card. The interest rate isn't bad at all. I make sure to pay my card off on time. However, if I was unable to do so, it wouldn't be too detrimental. The Thank You points are great. That's definitely a great feature if you are looking into getting this card. I would recommend it to others definitely. I'm very happy with it.
August 1, 2012 at 05:46pm
- Ashley Walls:
I have really enjoyed my experience with my Citi card. I had had a card with a higher interest rate and an annual fee that I wanted to get rid of. I found the Citi card application online and decided to apply. I ended up getting a much lower interest rate than I expected and was able to transfer my balance from my old card to my Citi card. The folks at Citi made this a very easy experience, and as a great bonus, I now have no annual fee. It took a little longer than I expected to get my card through the mail, and the customer service reps at Citi were very friendly and helpful in getting this issue resolved. I use Citi for my monthly bill pay and everyday shopping. I am enjoying this card and plan on using it for a long time.
July 18, 2012 at 04:11pm
- Michael J Johnson:
I haven't had this card long, but so far I love it. They gave me a smoking hot interest rate which in this day and age is uncommon. That could be due to my credit rating though. So I am not sure if that's common or not. I took advantage of the no interest for twelve months because it helps me in times of emergency. I don't use my card for everday purchases because I am afraid of debt buildup. This card is exactly what the average consumer needs. Highly recommended to all. The customer service department is remarkable and helped me quickly and happily.
July 18, 2012 at 03:12pm
- Megan Little:
Hi, I have just recently (about three months ago) become a member of Citi. I love the card so far and the benefits that come along with the card. The fact that you have 0% interest for twelve months is really a bonus to me when or if I have a time where I need to use this card in an emergency. There is also another great feature that allows me to transfer my balances from other high interest credit cards to this one for a much lower rate. From that benefit, I will also be able to save money from transfering my balances. I also just used my thank you points for the first time since I received the card and I could not believe how many rewards I was able to buy with my point balance. I was able to purchase gas cards and gift certificates to go out to dinner. I would highly recommend this card to anyone who is looking to have a card from an honest company that does not have any hidden fees associated with it.
July 12, 2012 at 10:23pm
- Aquillia Alowonle:
I really like citi bank, because they have great customer service. I have had my citi thank you card for about seven years and it really is great. Not only did I used the credit card for purchases, but I also have been to use the card to pay off my student loan. They offer great deals on balance transfers and I am able to put my loan on the card for one year without interest and that has been great for me. I am really happy with my citi bank card and I would recommend it to anyone because it really is nice.
July 12, 2012 at 04:52pm
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The card information shown on this page was last updated: June 6th, 2013 at 5:14 EDT
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