| Rewards | Earn ThankYou® Points on purchases. Typical structure: 2 points per $1 on dining & entertainment. 1 point per $1 on all other purchases. |
|---|---|
| Signup Bonus | None. |
| Annual Fee | None |
| Cardmember Agreement | View Here |
| Cash Advance APR | 27.24% variable APR |
| Cash Advance Fee | $10 or 5% of the amount, whichever is greater |
| Late Payment Fee | Up to $35 |
| Purchases APR | 15.49% – 25.49% variable APR based on creditworthiness |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Citi ThankYou Credit Card is best known as a no-annual-fee rewards card that earns ThankYou® Points, with bonus categories typically focused on dining and entertainment rather than travel or premium perks.
Most users say the simple rewards structure is easy to manage, and many reviewers mentioned they like earning 2× points in fun, lifestyle categories. Cardholders also appreciate the $0 annual fee and flexible redemption options like gift cards and travel.
On the flip side, the reward value isn’t especially high. Many reviewers mentioned limited transfer partners and weaker redemption rates compared with premium ThankYou cards. Others say the signup bonus is small — or nonexistent — and the card lacks standout perks.
Personally, I think this card works best for casual spenders who want low-maintenance points without paying an annual fee. But if you’re chasing bigger travel rewards or richer bonuses, you’ll likely find stronger value elsewhere.
RATE THIS CREDIT CARD
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Bro sorry, but some error occurred :O
J
Mixed feelings but useful overall
I've used this card everyday spending and the flexible points are nice, but earning feels slow and redemption options can be confusing unless you're into travel rewards.
