The Citi ThankYou Preferred Card is an overall great card, offering 2 points for every $1 spent, 20,000 bonus points for making your first purchase, and some great shopping and travel benefits.
Check out how this card compares to others in our card reviews of the Citi ThankYou Preferred Card vs the Citi Simplicity Card, the Citi ThankYou® Preferred Card vs The Chase Freedom® Credit Card, and the BankAmericard Cash Rewards™ Credit Card vs The Citi ThankYou® Preferred Card.
- Annual Fee $0
- Intro Purchase APR 0% for 15 months
- Regular Purchase APR 13.24% - 23.24% *Variable
- Earn 2 points for every $1 spent on restaurants and entertainment
- Earn 1 point for every $1 spent on all other purchases
- Points never expire
- Signup Bonus -
- Chip Technology Chip-and-Signature
- Foreign Transaction Fee 3%
- Intro Balance Transfer APR 0% for 12 months
- Regular Balance Transfer APR 13.24% - 23.24% *Variable
- Cash Advance APR 25.49% *Variable
- Penalty APR Up to 29.99% *Variable
- Late Fee Up to $35
- Returned Payment Fee Up to $35
Check your card's Guide to Benefits to learn the specific benefits your card offers and how to access them. Learn more about credit card benefits here.
Personal Concierge Service
Access to a personal assistant whenever you’d like, for help in a variety of non-emergency situations.
Access to exclusive events and experiences.
Choose Your Payment Due Date
Choose to pay your bill in the beginning, middle, or end of the month.
Identity Theft Solutions
Help dealing with issues of identity theft.
$0 Liability Fraud Protection
You are not held responsible for unauthorized transactions on your card (contact customer service immediately).
Extended Warranty Protection
Eligible warranties of 5 years or less can be extended by up to an additional year; up to $10,000 per year.
If you made a purchase in the U.S. that you find advertised at a cheaper price within 60 days, you can get reimbursed the difference; up to $300 per item, $1200 per year.
Purchases are covered for 120 days against theft or damage, up to $1,000 per item; up to $50,000 per year.
Travel and Emergency Assistance
Provides help with emergencies, including legal and medical referrals.
Travel Accident Insurance
Get reimbursed up to $250,000 if you or a family member gets in an accident while traveling.
Trip Cancellation / Trip Interruption Insurance
If a trip is disrupted for an eligible reason, provides reimbursement up to $1,500 per year for non-refundable costs.
Auto Rental Collision Damage Waiver
Provides coverage against theft and collision, as long as the car rental company’s own insurance is declined; up to $50,000.
Read about experiences others have had with this card and leave your own review here.
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I cannot tell you enough how important it is to have a Credit Card Company whose Dispute Department goes the extra mile to investigate fraudulent activity against their customers. It is one thing to fight the average Credit Card fraud on behalf of their customers, but to fight Misinformation Fraud that led a customer into signing a contract and paying for services based on false information is going above and beyond what most Credit Card Companies Dispute Departments would ever do. Citi Card Dispute Department fought for me and I will be eternally grateful.