The Citi ThankYou® Preferred Rewards Card is a good choice for a rewards card because you can earn points for your everyday purchases. The card offers bonus points for new members and gives an anniversary bonus each year you renew membership. The card offers competitive rates based on your creditworthiness and waives the annual fee for you and your authorized user for the first year. This card is available in both a MasterCard and Visa, you choose the card you want when you apply for the card.
The rate you receive will be based on your creditworthiness. The rate will be between 12.99%-22.99%* (Variable).
Anniversary Bonus
At the end of each Citi ThankYou Card account membership year you will also earn an Anniversary Bonus which is calculated as a percentage of ThankYou Points earned from purchases during that membership year. The Anniversary Bonus calculation does not include any other points you may have earned during that membership year. It may take 1-3 billing statements for the Anniversary Bonus to post to your Card Account at the end of each membership year. Here’s how it works: 0-1 years = 1%, 1-2 years = 2%, or 2 or more years = 3%.
Additional Citi ThankYou® Preferred Rewards Card Details
This card offers a variety of additional benefits for being a card member. Here is a list of some of the additional benefits the card offers:
- Extended Warranty: The terms of the original manufacturers’ U.S. warranties (of one year or less) may be extended up to one additional year on most items purchased on your card.
- Retail Purchase Protection: Most items purchased with your card are eligible for protection against accidental damage or theft up to 90 days from the date of purchase.
- $0 Liability on Unauthorized Charges: Shop anywhere and never lose a penny on unauthorized charges. With $0 Liability you won’t pay for any unauthorized charges made on your Citi credit card.
- Travel & Emergency Assistance: You’re protected when you’re traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip® Travel Assistance, Travel Services Medical Assistance and MasterLegal® Referral Service.
- Automatic Travel Accident Insurance: Charge plane, train or bus tickets to your Citi card and you, your spouse and eligible dependent children are automatically covered for Common Carrier Travel Accident Insurance at no additional cost.
- Auto Rental Insurance: You’re automatically covered when you reserve and rent a covered vehicle with your Citi card and decline the car rental company’s collision loss/damage waiver insurance.
- Citi MasterCard® Payment Tag with PayPassTM: Enjoy the tap-and-go convenience of a Citi MasterCard® Payment Tag with PayPassTM. This new technology allows you to pay by tapping your payment tag on a PayPass reader at checkout. No fumbling for cash and no signature required on most purchases up to $25.
- Citi® Credit Card Benefits & Services: Your card includes a wide range of benefits and services to help protect your credit, provide simple online account management, offer cash or rewards and much more.
How to Apply for the Citi ThankYou® Preferred Rewards Card
Applying for this credit card is quick and easy. We’ve provided a link below that will take you to the official Citi ThankYou® Preferred Rewards Card website. From this page, you can click on the apply now button to go to the Citi ThankYou® Preferred Rewards Card secure online application. The application takes just a few minutes to complete, and they will even notify you about the outcome of your application.
To get started, visit the Citi ThankYou® Preferred Rewards Card official website.





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