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Review

Review of The Citi ThankYou Preferred Credit Card

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Brendan Harkness By Brendan Harkness Aug 28, 2018 | Updated Dec 09, 2019
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.24%–25.24% Variable

Citi ThankYou® Preferred Card

Our rating
Good Min. credit level
See Alternatives
Update: The Citi ThankYou Preferred Card has been discontinued for new applicants. It was replaced by the Citi Rewards+ Card (Review).

The Citi ThankYou Preferred Credit Card is simple, not offering very much in terms of rewards and benefits.

Cardholders earn 2X ThankYou reward points for dining and entertainment purchases — but that’s about it. There is no intro bonus offer.

There’s a 15-month 0% intro APR for both purchases and balance transfers, giving you quite a while to pay off any large purchases or transfers.

The benefits are not bad for a no annual fee card. You can also check your FICO Bankcard Score 8 for free whenever you’d like, based on your Equifax credit report.

There’s no annual fee for this card, although foreign transactions will cost 3%.

There are four cards in Citi’s ThankYou lineup.

Card Annual Fee Foreign Transaction Fee Rewards
Citi Rewards+ Card (Review) $0 3%
  • 2X ThankYou points at supermarkets and gas stations
Citi Rewards+ Student Card $0 3%
  • 2X ThankYou points at supermarkets and gas stations
Citi Premier Card (Review) $95 0%
  • 3X ThankYou points for travel
  • 2X ThankYou points for dining and entertainment
Citi Prestige® Card (Review) $495 None
  • 5X ThankYou points on air travel and restaurants
  • 3X ThankYou points on hotels and cruise lines

Is the ThankYou Preferred right for you, or would you be better off with a different rewards card? Keep reading to find out.

Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%–25.24% Variable

The information related to Citi ThankYou® Preferred Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Our Rating: 3 out of 5 Stars

We give the Citi ThankYou Preferred 3 out of 5 Stars because it’s a very basic card, with minimal rewards and no welcome bonus. But there’s also no annual fee to pay.

Why we like this card

  • Earn 2X points for dining and entertainment
  • 15-month 0% intro APR for purchases and balance transfers
  • Citi Concierge and other benefits
  • No annual fee

Why this card could be better

  • Not very rewarding
  • No introductory bonus
  • Limited point transfer options

The ThankYou Preferred card is not very exciting, with just a couple of bonus categories and no intro offer. Check out some alternatives to this card below.

There’s also a version of this card designed for college students, the Citi ThankYou® Preferred Card for College Students (Review). It has similar terms, but comes with a 2,500-point welcome bonus for spending $500 in the first 3 months.

Insider Advice: Using This Card as Part of Your Credit Card Strategy

  • For dining and entertainment: Pay with the ThankYou Preferred card when eating out at restaurants or having fun, like at the movies or sporting events.
  • Pay off a balance: You’ll get 15 months at 0% APR for both balance transfers and purchases.
  • Redeem for statement credits: Redeem your points for statement credits to reduce your account balance.
  • Call your concierge: You can call your Citi Concierge whenever you’d like for help making reservations, finding gifts, and anything else.
  • Use your benefits: This card comes with perks like the Citi Private Pass, and Extended Warranty, among others.

Rewards

The ThankYou Preferred normally provides 1 cent per ThankYou point in the bonus categories with the simplest redemption method, for an equivalent of up to 2% cash back. There’s also a way to get up to 2.4% cash back in total.

Earning

Spending Rewards
  • 2X ThankYou points for:
    • dining
    • entertainment
  • 1X ThankYou point for every other purchase

This card earns ThankYou points, which can be redeemed in a variety of ways.

The spending rewards are very basic, and there is currently no welcome bonus.

The types of merchants in Citi’s dining and entertainment categories are given below, along with the excluded types.

Dining
Restaurants Fast Food Cafes Bars Lounges

Excluded from the dining category:

  • Bakeries
  • Certain restaurants/cafes inside department, grocery or warehouse stores
Entertainment
Movie Theaters Sporting Events Concerts
On-demand Internet Streaming Media Amusement Parks Tourist Attractions
Live Entertainment Theatrical Productions Record/Video Rental Stores

Excluded from the entertainment category:

  • Sporting camps
  • Sports complexes where you participate in the sport
  • Public and private golf courses
  • Country clubs
  • Bowling alleys
  • Musical instrument stores
  • Video game stores/arcades
  • Bookstores
  • Charitable organizations that provide live entertainment

Redeeming

There are several ways to redeem ThankYou points, including:

  • ThankYou Select and Credit
  • Statement credits
  • Cash rewards
  • Point transfers
  • Gift cards
  • Merchandise
  • Shop with Points at select merchants like Amazon

We recommend redeeming with the ThankYou Select and Credit option, because you’ll get the full value of 1 cent per point. This would give you a 2% cash back equivalent in the dining and entertainment categories, with 1% cash back elsewhere.

Take note that this is different than the “statement credits” and “cash rewards” methods, which only provide .5 cents per point. This could be a bit confusing, as most credit cards just have one basic statement credit option.

ThankYou Select and Credit requires you to choose specific purchases to which you can apply your rewards. Only certain types of purchases made during the current billing cycle are eligible. Those types are:

Eligible Purchase Types for ThankYou Select and Credit
Clothing and Department Stores Dining Drugstores Entertainment
Gas Grocery Utility

Some of the other methods may provide 1 cent per point, in some situations, but they’re more tedious and will often provide less value. ThankYou Select and Credit should be quick and easy, as long as you have eligible purchases.

It is possible to get more than 1 cent per point with the ThankYou Preferred card. But in the best case you can still only get 1.2 cents per point, you’d have to do some work to get it, and it would limit your options. We discuss that in the Point Transfers section up next.

Some other cards, like the Citi Premier Card (Review), can provide a better redemption rate for ThankYou points. They also let you transfer ThankYou points to a wider selection of airline and hotel partners, giving your points more potential value.

Point Transfers

There are two point transfer options:

  • JetBlue TrueBlue points: At a ratio of 5:4 (1,000 ThankYou points for 800 TrueBlue points)
  • Shop Your Way points: At a ratio of 1:12 (1,000 ThankYou points for 12,000 Shop Your Way points)

Although Citi itself has a number of transfer partners, ThankYou Preferred cardholders will only get these two options.

We recommend avoiding transferring to TrueBlue points because you get a pretty unfavorable transfer rate.

Shop Your Way points, however, can actually provide a better overall redemption value than the ThankYou Select and Credit option above. Each Shop Your Way point is worth .1 cents, which means you’re getting a value of 1.2 cents per ThankYou point.

That would give you a cash back equivalent of 2.4% for dining and entertainment, with 1.2% back for other purchases.

Shop Your Way points can only be used with a few retailers, shown below.

Shop Your Way Participating Retailers
Sears Kmart Lands’ End mygofer

For most people this redemption option probably won’t be worthwhile, and you should generally stick with ThankYou Select and Credit. But if you know that you’ll be making some purchases from these retailers, you can plan ahead to squeeze a bit of extra value out of your ThankYou points.

The Benefits

Citi Concierge

Phone

1-800-508-8930

Email [email protected]

You can get in touch with your personal concierge by calling the number above or on the back of your card, or by sending an email.

The concierge is available for help in a variety of non-emergency tasks, such as:

  • Restaurant reservations and recommendations
  • Travel arrangements and advice, like looking for hotels with available rooms
  • Finding special gifts
  • Searching for good ticket prices
  • Help finding lost items, like baggage at the airport
  • Event planning and meeting room reservations

The concierge probably won’t be too useful for most people, most of the time, but occasionally it could come in very handy. You might want it if you’re traveling in a new city and looking for a hotel, for example, or you need to find a close nice restaurant with an open table.

Many cards today offer a concierge feature, although it’s a bit rare to see on a no annual fee card like this. Citi also provides it for the Double Cash, another no- fee card. It’s more common on travel credit cards like the Chase Sapphire Preferred.

Citi Private Pass

The Citi Private Pass service provides presale and preferred access tickets to select events and experiences in big cities. There are four basic categories:

  • Music
  • Sports
  • Dining
  • Theater & More

Visit the Citi Private Pass website to see the current offers. Most of the deals are about music or sports, such as:

  • Preferred tickets for Carrie Underwood concerts in various cities
  • Preferred tickets for The Velvet Underground Experience on Broadway
  • Presale tickets for Katy Perry at The Theater at Ace Hotel in Los Angeles
  • Preferred tickets for a tennis clinic with pro player Chris Evert

There are many cards offering some type of “experiences” perk, although these are usually limited to big cities. The Sapphire Preferred, for example, provides the Chase Preferred Experiences benefit, which is pretty similar to Private Pass.

Complimentary ShopRunner Membership

Cardholders can register with ShopRunner at no cost, to get free two-day shipping and returns at select online retailers.

The list of participating retailers isn’t huge, but it has been getting bigger and includes:

ShopRunner Retailers (Partial List)
American Eagle ContactsDirect Giorgio Armani Kay Jewelers Lord & Taylor
NBA Store Neiman Marcus Sak’s Fifth Avenue Staples Under Armour

Free FICO Credit Score

ThankYou Preferred cardholders can see their FICO Bankcard Score 8 for free, based on their Equifax credit reports. The key factors affecting your credit scores will be shown as well, providing some advice on improving your scores.

You can also see how your score has changed over time:

Citi's FICO Credit Score History.

Citi’s FICO credit score history.

Many credit cards today offer some type of credit monitoring service. Some provide a FICO score, while others provide a VantageScore.

Capital One, Chase, and Discover all have tools that are free and open to the public, regardless of whether you’re a cardholder or not. In other cases you need to be an actual cardholder to access the issuer’s service, like with the Uber Credit Card.

Shopping Protections

  • Damage & Theft Purchase Protection: Eligible purchases are covered for 90 days against damage and theft.
  • Extended Warranty: Get an extra 24 months added to eligible manufacturer’s warranties.

Other Benefits

  • $0 Liability for Unauthorized Charges: You won’t be held liable for fraudulent charges (contact customer support immediately if you suspect fraud).
  • Virtual Account Numbers: Get a virtual credit card number to use for safer online shopping.
  • Account Alerts: Get notified of account details, like statement availability and payment reminders.
  • Fraud Early Warning: Proactive fraud monitoring to detect unauthorized activity as soon as possible.
  • Quick Lock: Instantly block new purchases and cash advances, while letting other activity continue.

The Terms & Fees

Intro APR for Purchases and Balance Transfers Purchase APR Balance Transfer APR Cash Advance APR
0% for 15 months 15.24%–25.24% Variable 15.24%–25.24% Variable 26.99% Variable
Annual Fee Foreign Transaction Fee Balance Transfer Fee Cash Advance Fee
$0  3% 3%, $5 minimum 5%, $10 minimum
Penalty APR Late Fee Returned Payment Fee
Up to 29.99% Variable Up to $35 Up to $35

The Citi ThankYou Preferred card has no annual fee to pay.

The only other notable feature is the 0% intro APR for 15 months, on both purchases and balance transfers. That offer is on the longer side for an intro APR period, giving you over a year to pay off large purchases or balances at no interest.

After those 15 months you’ll switch to the regular interest rate. But you can still avoid being charged interest on purchases by paying off your statement balance in full each billing period.

Foreign transactions will be charged a 3% fee, so this isn’t the best card to bring traveling abroad. Check out some no foreign transaction fee cards if you plan to make purchases in foreign currency.

You can take a look at the ThankYou Preferred’s official card terms and conditions here.

What is the Credit Limit of the ThankYou Preferred Card?

The minimum credit limit of the ThankYou Preferred is $1,000.

You can request a credit limit increase from Citibank at any time, although we recommend requesting an increase about once every six or 12 months if you want higher limits.

Customer Support

Phone Support

Customer Support

1-800-950-5114

1-800-325-2865 (TTY)

Apply for a Credit Card

1-888-201-4523

1-800-325-2865 (TTY)

Citi isn’t known for having great customer support, but they are improving. Every year, J.D. Power conducts its Credit Card Satisfaction Survey, ranking the top credit card companies on a number of factors, including customer support.

In 2018, Citi came in 6th out of 11 card issuers. That’s not too great, but in 2017 it came in 8th. And in 2016, it came in 9th out of 10!

So it looks like Citi has been making efforts to improve its customer service. When we’ve called Citi, we’ve usually spoken with friendly reps who were eager to help. Sometimes they left us a bit confused, or took a while to provide a satisfying answer. But in general our experiences have been on the positive side (compared to most other credit card issuers).

Web Support

Twitter Customer Support @AskCiti

Citi cardholders can get ahold of customer support through the live web chat, which you’ll find on the right side of the screen after logging in. The reps you can speak to on live chat can see your account information and will provide some level of assistance, but you may be asked to call in some cases.

If you’re not a cardholder (or even if you are), you can send a message to Citi’s customer support Twitter account, @AskCiti. Be sure to never reveal personal or account information on Twitter or any other social network.

The Bottom Line

The Citi ThankYou Preferred Credit Card is pretty simple, and not very rewarding. It’s not bad — but when it comes to rewards cards, the ThankYou Preferred is just boring.

2X points for dining and entertainment isn’t very valuable, given all the other credit card options available. There’s no enticing introductory bonus to provide a lot of upfront value, which is a big reason why many people may choose one card over another.

The benefits are decent, particularly the Citi Concierge. But they aren’t anything truly special, and you’ll find similar services on other cards.

The 15-month 0% intro APR is probably this card’s best feature. 15 months is about as long as these offers usually come, with a few exceptions, and that gives you quite a while to make payments at no interest.

The ThankYou Preferred isn’t necessarily bad, because it has no annual fee and therefore doesn’t have to cost you a dime to use. But there are a lot of rewards cards out there which can provide more value, and one of them would almost certainly be better for you. Check out some of those alternatives below.

How to Apply for the ThankYou Preferred Card

Click the “Apply Now” button below to apply for the ThankYou Preferred card. You’ll be taken to Citi’s website to apply, and it will check one (or more) of your credit reports from one of the major bureaus.

Citi will often provide an instant decision, but in some cases it may request more information to process the application.

Qualifications and Requirements

  • Must be 18 to apply
  • Personal identifying information, including SSN, email address, and phone number
  • Total annual income, and source of income
  • Monthly mortgage/rent payment
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%–25.24% Variable

The information related to Citi ThankYou® Preferred Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Alternatives to the ThankYou Preferred Card

 

Uber Credit Card

Uber Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR17.49%, 23.49% or 28.24% Variable
Apply Now

securely on the issuer's website

The Uber Credit Card (Review) is one of the better no annual fee credit cards for dining, and it also has solid travel bonus categories for travel.

Rewards

Spending Rewards
  • 5% back in Uber Cash on:
    • Uber purchases
    • Uber Eats
    • JUMP bikes and scooters
  • 3% back in Uber Cash at:
    • Restaurants
    • Airlines
    • Hotels
    • Travel agencies
  • 1% back in Uber Cash for all other purchases
Introductory Bonus Offer
  • $100 in Uber Cash for spending $500 in the first 90 days after account opening
    • Return on spend: 20%

So you’ll be earning 3% back at restaurants with the Uber card, more than the 2% you’ll usually get with the ThankYou Preferred. You can also get 3% back for certain travel expenses, a great rate for a card without an annual fee.

The welcome offer of $100 back isn’t the most rewarding bonus, but at least it’s something. The ThankYou Preferred has no bonus at all.

This newly updated card requires you to redeem your Uber Cash for purchases through the Uber App, limiting your ability to easily get value for your rewards.

Benefits

The Uber Credit Card has a few benefits that you may find useful. But in general, most people will probably find the ThankYou Preferred’s benefits more valuable.

  • Uber Exclusive Events: Cardholders may occasionally receive invitations to events in big cities around the country.
  • Cell Phone Insurance: Up to $600 in cell phone insurance with a $25 deductible, when you pay your bill with the card (provides secondary coverage).
  • Free FICO Credit Score: Check your FICO Score 8 at any time, based on your TransUnion credit report, and see the key factors influencing your score.

Terms & Fees

You’ll pay no annual fee for the Uber card. There are also no foreign transaction fees.

The Uber card does not come with any kind of 0% intro APR, however. So if you want to pay off a purchase or balance over time, the ThankYou Preferred will be the better option with its 15-month 0% intro APR.

Read more in our Review of the Uber Credit Card

 

Capital One® SavorOne® Cash Rewards Credit Card

Capital One® SavorOne® Cash Rewards Credit Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.74% - 25.74% Variable
Apply Now

securely on the issuer's website

The Capital One® SavorOne® Cash Rewards Credit Card (Review) offers a better rate for both dining and entertainment than the ThankYou Preferred, and has some other rewarding features too.

Rewards

Spending Rewards
  • 3% cash back on:
    • dining
    • entertainment
  • 2% cash back at grocery stores
  • 1% cash back everywhere else
Welcome Bonus Offer
  • $150 cash back for spending $500 in the first 3 months after account opening
    • Return on spend: 30%

The SavorOne provides 1% more cash back for dining and entertainment than the ThankYou Preferred. And it also offers 2% back for groceries, with a welcome bonus on top of that.

It’s easy to see that in just about every aspect of the rewards program, the SavorOne is superior to the ThankYou Preferred.

Benefits

The SavorOne comes with a set of benefits from World Elite Mastercard, which are better than you’d generally expect to find on a no-fee card. Some of them overlap with the ThankYou Preferred’s perks. They include:

  • Complimentary Travel Planning: Call for help planning with professional travel advisors.
  • World Elite Hotels & Resorts Portfolio: Complimentary perks at select locations, including daily breakfasts for two, room upgrades, late check-out, and more.
  • World Elite Air Program: Upgrades and discounts on select airlines when you purchase regular fares.
  • Mastercard Airport Concierge: Get a 15% discount on airport meet & greet services.
  • Concierge Service: Call for help any time from a personal assistant, like making travel reservations or finding gifts.
  • Capital One Events: Invites to food, sports, and music events in big cities around the country.
  • CreditWise: Check your VantageScore 3.0 based on your TransUnion credit report, and see data from that report.
  • Shopping and travel protections: Such as Price Protection, MasterTrip Travel Assistance, Baggage Delay Insurance, and others.

Terms & Fees

Just like the ThankYou Preferred, the SavorOne card has no annual fee and a 15-month 0% intro APR for purchases and balance transfers.

The SavorOne also has no foreign transaction fees, making it a better option for travelers (all Capital One cards have no foreign transaction fees, actually).

Read more in our Review of the Capital One SavorOne Cash Rewards Credit Card

There’s an upgraded version of this card, called the Capital One® Savor® Cash Rewards Credit Card (Review). It earns 4% cash back for dining and entertainment and has a $300 welcome bonus for spending $3,000 in the first three months, but it also costs $95 per year.

 

Citi® Double Cash Card - 18 month BT offer

Citi® Double Cash Card - 18 month BT offer

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.49% – 25.49% (Variable)
Apply Now

securely on the issuer's website

The Citi® Double Cash Card - 18 month BT offer (Review) is a general cash back rewards card, offering one flat rate for every purchase you make.

Rewards

Spending Rewards
  • 2% cash back for all purchases
    • 1% cash back when you make a purchase
    • 1% cash back when you pay for that purchase

You’ll be earning 2% cash back for every purchase you make, rather than being limited to just dining and entertainment like the ThankYou Preferred.

That makes this card much more versatile, and it makes the ThankYou Preferred’s bonus categories look basically useless. Why use the ThankYou Preferred when you could just earn 2% back everywhere with the Double Cash?

There’s no welcome bonus for the Double Cash, unfortunately, just like the ThankYou Preferred.

Benefits

The Double Cash card offers almost the same exact benefits as the ThankYou Preferred (because both cards are issued by Citi).

There’s just one extra perk that comes with the Double Cash:

  • Quick Customer Service: Say “representative” when you call customer support to be connected with a live human rep more quickly than usual.

Terms & Fees

You’ll pay no annual fee for the Double Cash. It comes with a 0% intro APR for 18 months on Balance Transfers, followed by a rate of 15.49% – 25.49% (Variable).

Compare that to the ThankYou Preferred, which offers 15 months at 0% interest for both purchases and balance transfers. The Double Cash gives you a bit longer, but only for balance transfers.

Foreign transactions cost 3% with the Double Cash, just like the ThankYou Preferred.

Read more in our Review of the Citi Double Cash Card

 

Chase Sapphire Preferred® Card

Chase Sapphire Preferred® Card

Our rating
Min. credit levelGood
Details
Annual Fee$95
Regular APR17.49% - 24.49% Variable

The Chase Sapphire Preferred® Card (Review) is a favorite among travel rewards cards. It offers points for dining along with travel, and has some excellent point transfer opportunities. It’s more expensive than the ThankYou Preferred, at $95 per year.

Rewards

Spending Rewards
  • 2X Ultimate Rewards points per dollar spent on:
    • travel
    • dining at restaurants
  • 1X Ultimate Rewards point per dollar spent everywhere else
Welcome Bonus Offers
  • 60,000 Ultimate Rewards points for spending $4,000 on purchases in the first 3 months after account opening
    • Value: $600–$1,200, depending on redemption method (assuming 1–2 cents per point)
    • Return on spend: 15–30%
Redemption Bonus
  • 25% point bonus when redeeming for travel expenses through Chase Ultimate Rewards. Equivalent to:
    • 2.5X points on travel and dining at restaurants
    • 1.25X points everywhere else

As you can see, the Sapphire Preferred offers Ultimate Rewards points. These points are usually worth 1 cent each, but when redeeming for travel expenses through Chase Ultimate Rewards you’ll get 1.25 cents each.

Or you can transfer those rewards to an airline or hotel partner, where you may get 2 cents or more per point.

That would give you a cash back equivalent of at least 4% for dining and travel, and at least 2% back for other purchases.

You’ll also be able to earn upwards of $1,000 in introductory bonuses, depending on how you redeem your points. Those are great offers to find on a card like this, which has a relatively small annual fee.

Benefits

The Sapphire Preferred has several benefits that travelers may find useful. It doesn’t have the major cost-saving travel credits and airport lounge access of a premium travel card, but you can still find quite a bit of value here.

  • 1:1 Point Transfer: Ultimate Rewards points can be transferred at a 1:1 rate with popular airline and hotel loyalty partners, like Marriott Bonvoy and United MileagePlus.
  • Visa Signature Concierge: 24/7 help with non-emergency tasks, like dining reservations or making travel plans.
  • Direct Access to a Customer Support Specialist: You’ll be immediately connected with a real human when you call customer support.
  • Shop Through Chase: A shopping portal where you’ll find offers to earn more points, from retailers like the Microsoft Store, Staples, and Walmart.com (current offers at the time of publication).
  • Chase Preferred Experiences: Invites to exclusive experiences from Chase, often for music or sports events.
  • Invite friends for bonus points: Get 15,000 bonus points for every friend you successfully refer, up to 75,000 points per year.
  • Shopping and travel protections: Including Trip Delay Reimbursement, Baggage Delay Insurance, and more.

Terms & Fees

The Sapphire Preferred has an annual fee of $95 per year. It has no foreign transaction fees.

Read more in our Review of the Chase Sapphire Preferred Card

Chase offers a premium version of the Sapphire card, the Chase Sapphire Reserve® (Review). For a $450 annual fee it provides 3X points for travel and dining, a 50% point bonus, a $300 travel credit, and Priority Pass Select airport lounge access, among other perks.
Citi ThankYou® Preferred Card

Citi ThankYou® Preferred Card

Our rating
Min. credit levelGood
Details
Annual Fee$0
Regular APR15.24%–25.24% Variable

The information related to Citi ThankYou® Preferred Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Looking for other credit cards to earn rewards on everyday purchases? See our picks for the Best Cash Back Credit Cards!

Do you have the Citi ThankYou Preferred Card? How do you like using it? Let us know by leaving your own review of the ThankYou Preferred Card, we’d love to hear from you!

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The information related to Citi ThankYou® Preferred Card, Citi Rewards+ Student Card, Citi Premier Card, and Citi Prestige® Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.

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