Citi ThankYou Preferred Reviews for 2023Reviews, rates, fees, and rewards details for The Citi ThankYou® Preferred Card. Compare to other cards and apply online in secondsJohn KiernanWalletHubNo membership fees0% intro APR on purchases0% intro APR on balance transfersHigh rewards rateNo initial rewards bonusBalance transfer feeForeign feeRequires excellent credit
We're sorry, but the Citi ThankYou® Preferred Card may no longer be available to new applicants or we may no longer be able to obtain complete information related to this offer. For customer service call: 800-842-6596
You can review Citi ThankYou® Preferred Card's rates and fees according to our latest records, which may be outdated. Alternatively, you can compare the latest credit card offers.
Rewards%APR479Reviews17Q&AContact
RewardsAPRWalletHub ReviewQ&ACustomer Reviews
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit
Annual Fee
$0*
Rewards
Earn 2X Points on Dining Out & Entertainment
Earn 1X Points on All Other Purchases
Points are redeemable for gift cards to popular retailers, restaurants, and department and home stores. 2,500 ThankYou® Points can be redeemed for a $25 gift card at thankyou.com
No expiration and no limit to the amount of points you can earn with this card
APR on Purchases
0% intro APR for 15 months, 15.49% - 25.49%* (V) APR after that
Balance Transfer
0% intro APR for 15 months, 15.49% - 25.49%* (V) APR after that
Uninspiring regular rewards. Citi ThankYou Preferred gives you 2 points per $1 spent on entertainment and restaurant dining, in addition to 1 point per $1 spent on everything else, which is roughly the market average for a rewards card. Given that Citi ThankYou points are worth a penny each, you’ll earn the equivalent of 1%... show more
Enjoy 0% Intro APR on purchases for 15 months from date of account opening and 0% Intro APR on balance transfers for 15 months from date of first transfer; after that, the variable APR will be 15.49% - 25.49% based upon your creditworthiness*
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There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
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One ThankYou rewards card with a 0% foreign transaction fee is the Citi Premier® Card. It also a $95 annual fee and an initial bonus of 60,000 points for spending $4,000 in the first 3 months. Plus, you can earn 3 points / $1 spent on travel, restaurants, supermarkets, and gas.
Citi ThankYou® Preferred Card foreign transaction fees:
When the foreign transaction fee applies: Transactions processed outside the U.S. (made in-person or online).
Avoiding the Citi ThankYou® Preferred Card's 3% foreign transaction fee will still cost you if you go with another Citi card, even one with no foreign fee. The Costco Anywhere Visa® Card by Citi doesn't charge an annual fee, but you do have to pay the Costco membership to get it. And other popular picks, such as the Citi Premier and Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, charge annual fees of $95 and $0 intro 1st yr, $99 after, respectively.
The credit score needed for the Citi ThankYou® Preferred Card was 750+. This means excellent credit was required for approval. However, the Citi ThankYou® Preferred Card is no longer available to new applicants.
The Citi ThankYou Preferred travel insurance went away with a lot of other Citi travel benefits on September 22, 2019. So there's no more trip cancellation/interruption insurance, travel accident insurance, or rental car insurance if you have this card. It's worth noting that you can't apply for the Citi ThankYou...
No, there is no Citi ThankYou® Preferred Card bonus anymore. Citibank discontinued the Citi ThankYou® Preferred Card a while back.
Alternative Credit Card Option
If you're looking for a Citi credit card that offers an initial bonus, you should consider the Citi Rewards+ Card. This card offers 25,000 points for spending $1,500 in the first 3...
Probably the most straightforward way to redeem your Citi ThankYou Preferred points is to “shop with points” at Amazon.com, Expedia (hotels only) and Live Nation, which means you can use points as your payment method at checkout.
You can also “pay with points” for purchases from BestBuy.com, Wonder and...
The Citi ThankYou Preferred payment address is P.O. Box 9001037, Louisville, KY 40290.
Alternatively, you can pay your bill online, where you can make a one-time payment or set up a monthly automatic payment. You can also call 1 (800) 950-5114.
Your Citi ThankYou Preferred balance transfer limit ultimately depends on how big of a credit line you get approved for. You can transfer any amount as long as it, together with transfer fees and unpaid balances from any purchases you've made, do not exceed your credit limit.
Share your insights and review the Citi ThankYou® Preferred Card
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479 reviews
479 reviews
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Tricia @triciar_11
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1 Star Rating
Verified Customer
They will decrease your limit for no reason. Even though you have excellent payment history and credit score. It would seem they should do the opposite and increase my limit.
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Robert Reilly @RReilly
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1 Star Rating
"Citi Thank You"--Travel Deparment refused to refund points on cancelled-because-of-covid airline reservation, said I called 22 hours before flight rather than 24 hours(which their "policy" allows). Medical reasons(delayed test results) made it impossible to call sooner Inflexible and unforgiving when we should all be pulling together and "cutting each other some slack." All this on top of paltry points for over-priced products(cheaper just buying fares online).
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Jay @jdthebugman
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1 Star Rating
Sounds like a scam due to the poor wording. Just got one of their emails and the email is legit because it mentions my actual Thankyou account number: "With your new you can start earning ThankYou® Points for amazing rewards". First of all your new WHAT? Where's the next word? Second who's dumb enough to fall for the 'amazing rewards' part? Who uses these garbage words to describe a program that is far from anything 'amazing'? It sounds like they have children running this program so I'll go 'amazing' lengths to avoid it. Makes me question Citibank's standards just for being connected to such a lousy product.
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Lori Parker @loriparker86
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1 Star Rating
Don't fall for Thank you points. For every $2500.00 you spend you get back $25.00. If that isn't paltry enough, try using them to book a hotel. You "use" your points and then, on top of that, you pay more in dollars than you would if you just booked on line. I know.
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lovecat_lucy @lovecat_lucy
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1 Star Rating
card was closed and lost all the point without notification to me, said from their rep bank decided to close my card and mailed me an letter which never received. (wonder why?) Card still open in online banking and showing active in account, just no points left. customer services will do nothing about it and I have to take all the loss of my points because they decided it and never let me know or showed in my account. don't use, there are cards much better than this
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Tom F @cryoaura
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1 Star Rating
After being a customer with 2 credit cards for years and paying on time more than minimum payment every single year, we got royally screwed. We made a balance transfer to our card on July 7. We asked when the due date normally was, July 13. So, the first due date for the balance transfer would have been August 13. We made a $450 payment, WAY over the minimum on July 15, but they would not count that towards the August 13th due date and assessed a $35 late fee and flagged us as late. I'd be fine if that was automatic, but they saw what happened and revoked the late fee. Instead, I was transferred 8 times, and put on hold 11 times, to finally have a "manager" tell me I'm the one who screwed up and paid during this July 13-17 payment no-man's land. Well, goodbye Citi, I'm sorry you don't care one bit about your customers. Going with some smaller bank or a company like discover.
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Citi-DANALMSA @citi-danalmsa
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5 Star Rating
I have been a Citi Preferred Thank You card user for the last 2 years. I first got it because it had an offer for 20,000 points and I was interested in taking advantage. I also had a Bank Of America Amex card, but it seemed this one would earn points quicker. And so it has proved it does. With what I spend, I have earned a lot of points that I have changed for Gift Cards. My favorite thing is that I can do so with as little as 5,000 points. I don't loose value if I have less points. For example, my Amex card would only give me 20$ for 5000 points, and 350 for 35,000. Where as this card give me a 50$ gift card for 5,000. So that is my favorite thing about the card. I also just had fraud on the card (more than 1,000 of fraudulant charges). Citi's service quickly reversed the transactions, cancelled my previous card and FedEx'd me a new set of cards. It took me about 10 mins to have all of this done, with little hassle. So I am really impressed with their service. The other feature I like is that I get my FICO score, which is very useful. Android Pay also works very well with this card. The only things i would improve would be to have more points (some cards are now offering more cashback).
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Stephen Mackenzie @stephenm_19
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1 Star Rating
I received my Citi Perfered card back in Jan, With a offer of 20,000 points after sending 1,500 in the 1st 3 months. I have spent well over that and didn't get my signing bonus. So I contact them online chat twice now, and they say that can't find that offer, which is still being offered now but they say my account doesn't have that offer attached to it, so the gave me 2,000 and a courtesy. Needless to say once I pay off the balance they can take their card and shove it.
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Dani Ling @pandabear
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5 Star Rating
I have this card and the Citi® Diamond Preferred® Card, which I have also written a review about. I trust Citibank and they have always been good to me. I needed two cards, one for personal and one for business. I have had no problems with either card. This card is especially good if you like to use the rewards program. I don't so I can't really comment on that. All in all, good card and good company.
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Lucine Kazaryan @lucinek
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1 Star Rating
Worse card... worse customer service!!! beware they will take your money.... after paying off over 8K they charged late fees and to say that its previous balances which clearing when you pull the statements and our bank accounts we had paid off the balance.
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