How to Earn Points and Miles for Free Travel
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Our take
Citi ThankYou® Preferred Card has no annual fee and is therefore a simpler card than its Citi siblings.
Details
- 0% introductory APR for 15 months on balance transfers and purchases.
- Earn 2 ThankYou® Points per $1 spent on dining out and entertainment, and 1 ThankYou® Point per $1 spent on all other purchases.
- 2,500 points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed from the ThankYou® Rewards collection.
- Unlimited ThankYou® Points with no expiration.
- No Annual Fee.
- Travel & Purchase protection.
Pros
0% Intro APR for 12 months on balance transfers and purchases
No Annual Fee
Cons
Needs excellent credit
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Bonus offer
Bonus value
$150
Earn 15,000 bonus ThankYou® Points after you spend $1,000 in purchases within the first 3 months of account opening.
Bonus ThankYou Points are not available if you have had a ThankYou Preferred, ThankYou Premier or Citi Prestige card opened or closed in the past 24 months.
Rewards
Dining
2 points / $1
Other
1 point / $1
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
15 months
Balance transfer regular apr
15.49-25.49%
variable
Balance transfer fee
3%
min $5
Rates and fees
Purchase regular apr
15.49-25.49%
variable
Cash advance apr
27.24%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$35
Return payment fee
up to
$35
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