Thank you Citi

back Citi ThankYou Preferred

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intro purchase APR 0% for 12 months	regular APR13.49 - 23.49% (V)
intro BT APR 0% for 12 months	3% BT fee $5 min
rewards 1-2 points/$1	+15,000 points

• earn 2x points on $1 spent on dining out and entertainment
• get 15,000 points after $1,000 in first 3 months
• redeem for gift cards or even cash

 

good credit required

Terms and Conditions

Editors Review

Pros

• 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

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.