Citi ThankYou® Card - No interest for 15 months
Quick Card Summary
- No interest for 15 months
- Earn an anniversary bonus on points earned from purchases every year*
- No limit or expiration on points
| Intro APR | Intro Applied To | Intro Period | Annual Fee | Rewards |
|---|---|---|---|---|
| 0% | Purchases | 15 mo. | $0 | Yes |
| Balance Transfers |
Creditnet's Full Review
The Citi ThankYou® Card is a new no interest credit card offered by Citibank. Cardholders will pay no interest, no annual fee and be rewarded with ThankYou points for all purchases. Here are some important features of the Citi ThankYou® Card:
No interest on purchases and balance transfers for 15 months. From the date your account is opened, purchases and balance transfers made on this card won't be charged any interest. After 15 months, you'll be charged a variable rate as low as 12.99%, depending on your creditworthiness.
Earn unlimited ThankYou points on all your purchases. For every $1 you spend, you'll earn 1 ThankYou point. No limit is placed on the number of points you can earn each year, and your points never expire.
Earn an Anniversary Bonus each year. At the end of your 1st year, you'll earn an Anniversary Bonus of 1% of ThankYou Points earned from purchases. At the end of your 2nd year, the Anniversary Bonus increases to 2%. After your second year, the Anniversary Bonus increases to 3% and remains at 3% as long as your account is open and current.
Earn bonus points for signing up for paperless statements and for enrolling in Account Online. Do both of these and earn 200 bonus points for being green.
Shop online through the ThankYou® Bonus Center and earn bonus points. If you're already planning on shopping online, you may as well earn bonus points. You'll find over 600 well-known and favorite retailers when you log into the ThankYou® Bonus Center. It can be as simple as clicking on a link to earn bonus points and rewards.
Redeeming points is fast and easy. Sign into your ThankYou account to see what you can redeem with your points or call to talk to a representative. Redeem for rewards such as travel, gift cards, electronics, and more. Not quite sure what you want? Simply redeem for cash and spend it how you like.
No annual fee. This rewards card carries no annual fee!
Creditnet's Expert Rating & Review
Favorite Card Features: This is one of the only no annual fee, points-based rewards cards offering 0% on both purchases and balance transfers for 15 months.
Least Favorite Features: No sign up bonus.
Our Final Take: It's hard for us to think of our least favorite feature of this card because it truly is one of the best no annual fee, points credit cards on the market. You get points for all your purchases, an anniversary bonus of up to 3%, 0% interest for 15 months, and you pay $0 in annual fees. So if you want to earn points and would take advantage of the 0% APR promo offered, apply today.
Offer details may have changed since the last update of the information on this page. Please see Fees, Terms & Conditions for updated and complete information.
| Intro APR: | 0% | ||
| Intro Period: | 15 mo. | ||
| Ongoing APR: | 12.99% - 22.99%* variable | ||
| Penalty APR: | 29.99% | ||
| Balance Transfers | Cash Advances | ||
|---|---|---|---|
| Intro APR✝ : | 0% | Intro APR✝ : | n/a |
| Intro Period: | 15 mo. | Intro Period: | n/a |
| Ongoing APR: | 12.99% - 22.99%* variable | Ongoing APR: | 25.24% variable |
| Penalty APR: | 29.99% | Penalty APR: | 29.99% |
| Transfer Fee: | 3% | Advance Fee: | 5% |
| Min. Transfer Fee: | $5.00 | Min. Advance Fee: | $10.00 |
| Max. Transfer Fee: | n/a | Max. Advance Fee: | n/a |
| ✝ Must initiate transfer: | Within 15 mo. of opening acct |
||
| Other Rates | Credit Line | Penalty Fees | |||
|---|---|---|---|---|---|
| Foreign Transaction Fee: |
3% | Min: | n/a | Late Payment: | Up to $35 |
| Min. Interest Charge: | $0.50 | Max: | n/a | Over the Credit Limit: | n/a |
| Returned Payment | Up to $35.00 | ||||
