Thank you Citi

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at issuer’s secured site
good credit
intro purchase APR 0% for 12 monthsregular APR12.99 - 22.99% (V)
intro BT APR 0% for 12 months 3% BT fee $5 min
rewards 1-2 points/$1 +20,000 points
  • earn 2x points on $1 spent on dining out and entertainment
  • get 20,000 points after $1,500 in first 3 months
  • redeem for gift cards or even cash

 

no annual fee

2x points on entertainment and dining

20,000 initial bonus

Editors Review

Pros

  • No annual fee
  • 0% intro APR for purchases and balance transfers for 12 months
  • Sign up bonus 20,000 miles ($200 worth) after spending $1,500 on purchases in the first 3 month.
  • 2x points on $1 spend on dining and entertainment (movies, theaters, sport events, parks, attractions and museums)
  • 1pont per $1 for regular purchases
  • ThankYou Points do not expire, and there is no limit on points

Cons

  • 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).

 

Verdict

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.

Last updated: 06/15/2015









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