Citi ThankYou® Preferred Card–Low Intro APRs Review

Looking for a rewards credit card with no annual fee and the ability to earn points for every dollar spent? Want a card with an introductory 0% APR that lasts for more than a year? Normally you have to pick a card with either great rewards or a 0% offer. Citi currently offers a rewards card with both of these benefits. Called the Citi ThankYou® Preferred Card - Low Intro APRs, here’s what you need to know.

ThankYou Rewards

Purchases with the card earn ThankYou Points as follows:

  • 2 ThankYou Points for every dollar you spend on purchases at restaurants and on select entertainment merchants including sports promoters, theatrical promoters, movie theaters, amusement parks, tourist attractions, record stores and video rental stores;
  • 1 ThankYou Point for every dollar you spend on all other purchases.

The 2x rewards feature makes this card ideal for those wanting to earn rewards on purchases at restaurants and on entertainment. Restaurants include fast food restaurants to fine dining establishments. Restaurants include bars, cocktail lounges, discos, nightclubs, taverns and fast food restaurants.

Entertainment is defined broadly as purchases made for live performances (e.g., concerts, theater, sporting events), movie theaters, amusement parks and cultural events (e.g. zoos and museums).

Introductory 0% APR

The Citi ThankYou® Preferred Card - Low Intro APRs offers an introductory 0% APR on purchases and balance transfers for 15 Months*.

Other Perks

No annual fee: Citi has managed to pack a lot of rewards into this card without charging an annual fee.

Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more: The fact that you can redeem your ThankYou Points for cash is a significant benefit. But you can also use the rewards for just about anything.

No expiration and no limit on the points you can earn: You can be happy knowing every dollar you spend is working for you (not just some of them) and you don’t have to worry about losing your points.

A note of caution: you will need excellent credit to qualify for each of these cards.

Final Thoughts

If you like the idea of earning points no matter how much you spend or where and don’t want to pay an annual fee, both of these cards is worth a look. The right card for you will depend on which specific feature (e.g. balance transfers, bonuses) is most important to you.

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Published or Updated: May 3, 2015
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.


  1. pinche970 says:

    regarding; citi premier card
    Here is the sound bite response from their customer service: when they can’t give you a flight to match the time or airline you rather fly on.

    “All our availability is based on the airlines’ lowest published fares. If you have any further questions please contact us at 866-428-4078. Thank you and have a great day!”

    They use a company called “Spirit Incentive” which is nothing but a lady name Lisa that operates the internet for you, so you can do it yourself from your home computer, Lisa can’t do anymore then you could.

    Their web page gives you about 3 choices out of 15-20 available for your departure, then they give you 1 to 2 choice on your return flight. If you need a red-eye flight, good luck it’s like a crap-shoot, if you want to travel delta or american good luck. most likely the cheapest airline on a propeller airplane. YOU HAVE TO SETTLE WITH THE THREE CHOICES THEY GIVE YOU! YOU HAVE NO OTHER Choices!

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