Thank you Citi
no annual fee
2x points on entertainment and dining
15,000 initial bonus
- No annual fee
- 0% intro APR on purchases and balance transfers for 12 months
- Sign up bonus 15,000 bonus after spending $1,000 on purchases in the first 3 months.
- 2x points on $1 spend on dining and entertainment (movies, theaters, sports events, parks, attractions, and museums)
- 1pont per $1 for regular purchases
- ThankYou Points do not expire, and there is no limit on points
- 3% foreign transaction fee
- If you just prefer cash ThankYou points can be less valuable – redeem rate for cash is 0.625 cents for 1 point which is less than if you redeem for gift cards (1 cent rate).
Overall a very good rewards card that has a little bit of everything - no annual fee, low regular APR, intro APR, sign up bonus and 2x rewards on special categories, ThankYou points. The only thing left to do is dream about is a higher rewards rate and a better redeem for cash rate.
Notice that ThankYou points give you the best value if redeemed for gift cards (1 cent per 1 point), music downloads, mortgage or loan payments.
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