Citi ThankYou Rewards Cards
The ThankYou reward points can be redeemed for a wide variety of rewards including merchandise, concert tickets, gift cards, travel, movie passes, electrical goods, and many more.
The reward program is even cashing in on the current social networking craze by teaming up with the game company Zynga and allowing members to swap ThankYou reward points for in-game currency for popular social games such as Fortnite, Farmville, Treasure Isle, and Mafia Wars.
How ThankYou Points Are Earned
ThankYou points are awarded every time you shop with a participating CitiBank Credit or Debit card. There are also additional points available related to special promotions operated by your particular card. Consumers with an active Morgan Stanley Smith Barney Financial Management account can also earn ThankYou points from purchases made on that card.
Citibank customers who have an eligible checking account linked to their Citi ThankYou Rewards account can also earn points from using their debit card and additional services such as personal loans, mortgages, and bill payments. The more Citibank products you make use of the more points you can accumulate. Shopping at participating ThankYou Rewards stores can also help members to accumulate points faster.
Citi Forward Credit Card
There are various credit cards on the market which are affiliated with the ThankYou Rewards program. One such card is the Citi Forward Card. This credit card has no annual fee and offers customers an APR reduction if they stay within their credit line limit and make payments on time for three consecutive months.
In addition to earning points for every dollar spent, the Citi Forward card also offers a large points bonus for signing up to paperless billing and spending a minimum amount within the first three months of joining. There is also an option of a Citi Forward College account aimed at college students (See: Deserve EDU for Student Credit Card (Review)). This card, unlikely many student credit cards, does not require a co-signer and it does offer rewards for sensible spending.
ThankYou Rewards For College Students
College students can also apply for the Citi mtvU Platinum Select Visa Card for College Students. Just like the Citi Forward Card for College Students, this card carries no annual fee and does not require a co-signer.
While points are awarded on all purchases, they can be accumulated at a higher rate when the card is used at restaurants, bookstores, movie theaters, video rentals, and music stores. The unique selling point for this card is that it offers a large number of bonus points twice each year if the student has maintained a good grade point average.
Premier Reward Card from Citi
At the higher end of the scale, Citi also offer a Citi ThankYou Premier Card. This card does carry an annual fee and the joining bonus has a higher minimum spend. The rate of ThankYou points earned is variable, with additional points being awarded for using your card for purchases made at gas stations, supermarkets and drugstores. The card also offers a discount on air travel when used to purchase airline tickets from the affiliated travel provider, Spirit Incentives.
Rewards for Business Users
There are also cards available on the ThankYou Rewards program that come from the Citibank range. One such card is the AT&T Universal Business Rewards Card. Aimed at business users the AT&T Universal Business card offers various rates of points awards based on how the card is used. The quickest way to accumulate points is by using the card on AT&T products and services.
The next highest rate is awarded for purchases made at selected office supplies merchants, gas stations and professional services. All other purchase still receive points, but at a much lower rate. The card does not carry an annual fee and offers a low APR on all purchases for the first six months. There is also the opportunity to name employees as additional cardholders with set credit limits.
In conclusion, ThankYou reward points offer an easy way to accumulate loyalty points and earn rewards over a wide range of products. With the ability to earn points from several different cards and banking services and save them all in one account there seems to be less confusion. There are also several affiliated retailers who offer extra points and even discounts when using a credit or debit card affiliated with the ThankYou Rewards program.
Citi ThankYou Preferred Credit Card Review
Credit cards can offer you many benefits. Of these benefits, the most popular are probably incentive rewards and low-interest rates. Citi ThankYou Preferred Credit Card offers you both, with competitive features and a large affiliate store that expands the potential for earning rewards.
When it comes to credit cards, you probably agree that simple is the best way to go. While there are many credit cards on the market that pose flashy offers or complicated reward structures to lure you in, make sure that you aren’t distracted from the simple ones that could make reward redemption and saving money easier in the long run. Take the Citi ThankYou Preferred Credit Card. This card minimizes fees and interest rates to make it easier to understand, but it also maximizes rewards.
Earning Citi ThankYou Rewards
Many credit cards offer some kind of rewards program as incentives for using it instead of cash. Depending on the card, these programs will offer a wide variety of benefits with some focusing on cash rebates and others on travel. The ThankYou card gives you access to all of it as well as one of the simplest earnings schedules you will find.
- Earn 1 point for every $1 spent on standard purchases
- An anniversary bonus of up to 3% every year you keep your account active
- Bonus points for enrolling in online account access
- Extra points for enrolling in paperless statements
- Bonus points for shopping within the ThankYou Bonus Center, an affiliate shopping network of over 600 participating retailers
It is important that you read the details on earning points as there are a few purchases that may stray from the basic structure.
Redeeming Citi ThankYou Card Rewards
As easy as it to earn points, it is also easy to redeem them for a wide range of incentive rewards. Plus, you can begin redeeming your rewards for as little as 100 points. Use your points towards things like:
- Gift cards with participating retailers
- Travel perks with participating hotels and airlines
- Consumer electronics
- Cash rebates
Like many other credit cards currently being offered on the market right now, this one also brings you a set of introductory rates that could save you a great deal of money. While the incentive rewards are probably quite attractive, this is something that will affect your day to day dealings.
- The remarkably low introductory interest rate for 15 months on standard purchases
- The similarly low introductory interest rate for 15 months on balance transfers
- Competitive variable interest rate range thereafter
Other Benefits And Features
Of course, because this is a typical credit card, you can also expect to pay a few fees and service charges. These are designed to make sure that you maintain responsible credit use and to ensure that the issuer of the card is not solely responsible for the processing charges. Most of these fees are standard across the industry, so you should not be surprised to find fees for:
- Foreign purchases (up to 3%) (See: No FX Fees Cards)
- Balance transfers (while the introductory rate could be as low as 0% if you qualify there is always a balance transfer fee, which is usually either $5 or 3% of the total transfer, whichever amount is greater)
- Cash advances (either $10 or 5% of the total amount withdrawn, whichever is greater)
Service charges aside, this card does not have an annual fee, which is something that is quite uncommon these days. There other benefits which come along with carrying this card though:
- $0 Fraud liability on all unauthorized charges (simply report questionable charges on your account and you will not be held responsible). Check ID Theft Protection Services
- Online account management (which also carries bonus rewards)
- Online statements
- Faster online payment processing
See Terms (Variable)*
Snapshot of Card Features
- Enjoy 0% Intro APR on Balance Transfers and Purchases and low variable APRs based upon your creditworthiness*
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
- New: 2x Points on purchases for dining and entertainment 1 ThankYou Point on other purchases.
- Points do not expire and earn unlimited ThankYou Points
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- Travel with ease and enjoy global acceptance with Chip Technology
- No annual fee*
Applying for this card is also easy, as you can access the application online 24/7. Like most other cards, you simply have to supply them with a few basic pieces of information to get the information started. This includes contact info like:
- First and last name
- Social security number
- Phone number
- Your e-mail address
It also includes financial information:
- Your annual salary or wages
- Annual income
- Your monthly mortgage or rent payment
- Information on other financial accounts you might have
You will find it is easy to save money and earn rewards points with Citi ThankYou Preferred Credit Card. With a streamlined earnings schedule, no annual fee, and low introductory interest rates for up to 15 months the benefits are undeniable.
Citi Forward Credit Card Review
There are a few credit cards out there that enable you to do the things you love doing most and reward you for it. The Citi Forward Credit Card is focused on the youth, on doing the things that you do the most, and earning rewards points as you go about doing them.
Not only does the card reward you for doing what you do, but it also rewards you for good credit behavior. The ThankYou Rewards points are a great idea for those who are new to the credit game and are smart enough to know a good deal when they see it.
The Citi Forward card offers an innovative approach to rewards. Unlike the traditional rewards focused on categories like food, gas, shopping, and dining, this card offers you several ways to earn bonus points and ongoing regular reward points with everyday purchases. It rewards you for good behavior like paying your dues on time and keeping below the credit limit and opting for paperless statements.
Reducing your APR
One of the best options given to cardholders and also one of the best reasons to get a Citi Forward card is the reduction in APR on purchases. The term APR or Annual Percentage Rate describes the interest rate applicable on the card for the whole year (See: Credit Cards Basics).
This term implies the calculation of the rate applicable to the interest or finance charges levied for the whole year. The calculation and disclosure of APR in the United States is governed by the Truth in Lending Act.
To get a reduction on the APR, is easy with the Citi Forward card. If the cardholder fulfills certain conditions like making a purchase, staying under the credit limit for three months and making payments on time for 3 billing cycles, Citi will reduce the APR applicable on your card up to a certain limit over time.
Smart Introductory Offer
If you are qualified for the Citi Forward card, you can expect an introductory offer that gives you leverage when it comes to interest rates on balance transfers and purchases. During the set introductory period, the cardholder is allowed to make purchases without paying the finance charges – absolutely no interest charged on the purchases made or on balances transferred from other cards.
Like everything else, this offer is valid only during the introductory period and will lapse after the said period is over. While there is a transfer fee if the balance transfer facility is used, there are no fees attached to purchases made using this credit card.
The Citi ThankYou Points
These rewards points are arguably one of the best features available on the Citi Forward card. If you make purchases of a certain amount within three months of getting the card, you are entitled to bonus Citi ThankYou reward points. If you sign up for paperless statements within three months of getting your card, you are entitled to some more ThankYou bonus reward points.
You also get additional bonus points when you pay on time and stay under your credit line, every month. Do this for three months in a row and you are entitled to a reduction in your APR. You get a higher number of reward points when you use the card to purchase movie tickets, music, books and at restaurants. One everything else, there are a set number of reward point available.
The accumulated ThankYou rewards can be redeemed for a variety of items like iPods, gift certificates, kitchen appliances, electronics like computers, cameras and recorders, and more.
See Terms (Variable)*
Snapshot of Card Features
- NOTE: This card has been discontinued, and it is not available for application on our site.
- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases.
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- APR reduction on purchases when using credit wisely
- No Annual Fee
Even More Benefits Attached
To ensure that the learning curve for credit is smooth and to keep your spending abilities responsible, Citi has introduced a new tool called Spend Tracker. This tool allows the Citi Forward cardholders to monitor their spending by estimating how much they are spending and comparing it to the totals being spent by their peers in those categories. Other smart features available on this card include:
- Virtual account number to shop online without revealing your true account number
- Citi Photocard for easier identification
- Extended warranties that may provide up to one additional year on the manufacturers U.S. Warranties
- Lost wallet service through which Citi issues you a new card (at no extra cost) if your card is lost or stolen and also deliver emergency cash (subject to your available cash limit)
- Retail purchase protection which covers most items purchased on the card for 90 days against theft and accidental damage
In essence, the Citi Forward Card is the credit card for the new generation with rewards that match their taste and good behavior when it comes to credit and eco-awareness!
Citi Diamond Preferred Credit Card Review
Apart from making your life and finances really easy, the Citi Diamond Preferred credit card makes racking up reward points so simple and satisfying. Unlike other cards that offer rewards on rotating categories and tiers chosen by the card provider, this credit card offers you reward points and lots of them, on everyday purchases. No wonder, it makes so much sense to choose this card over the other generic rewards cards.
There are two features that really stand out when it comes to the Citi Diamond Preferred credit card. One, there is no annual fee associated with this card. Two, balance transfers and purchases come with no interest applicable during the largest introductory period established by any card.
The ThankYou Rewards program offered by Citi makes it really easy for everyday shoppers to stack up on points and redeem them for the rewards they enjoy best. The best part is that you get rewarded on expenses that you cannot avoid, like buy groceries, filling gas, making hotel and airline reservations, and dining out at restaurants.
Earn Rewards The Way You Want Them
There are credit cards that allow you to earn “miles” or “cash backs” when you purchase things. There are credit cards that let you earn more points when you purchase in the relevant categories. The Citi Diamond Preferred card is counted among the finest rewards cards on the market because of the simplicity of the rewards program. As a cardholder, you earn rewards on everything you purchase. Furthermore, if you purchase things from standalone supermarkets, gas stations, and drugstores, you can earn even more reward points. In short, your everyday purchases are the ones that earn you the maximum rewards. Start using this credit card and you can see how quickly the points start to add up.
Balance Transfers And Purchases
If you are looking to payoff old debt, the Citi Diamond Preferred card becomes a great choice for the simple reason for balance transfers. This card allows you to transfer balance off of your old card for a transaction fee and they payoff that balance without incurring extra finance charges in the set introductory period. No more finance charges applicable means your balance remains unchanged without extra fees being added to it. It also makes great sense for those who use their credit card to carry over the balance from month to month. The same logic applies when it comes to making purchases during the introductory period. No finance charges applicable means you do not have to pay the regular interest rates on the purchases you make and you keep getting showered with reward points too!
Additional Perks Being Preferred Cardholder
Making everyday life interesting at every turn with really good services and a chance to earn many more rewards seems to be the philosophy behind this card from CitiBank. Among the many benefits that the card offers, the Private Pass Access allows you to purchase pre-sale tickets and often get the best seats in the house at any major event. Just log on to the private pass website where all the events are listed and choose the ones you want access to.
The Diamond Preferred Concierge service allows you to take care of things like last-minute hotel and airline ticket reservations, restaurant reservations, purchasing concert tickets and more by making a single phone call. This service is available to all cardholders from anywhere across the world, 24/7.
Your Citi Diamond Preferred card also gives you a chance to earn extra Citi Cash. You can receive benefits like discounts on travel, restaurants, merchandise, and more. The Price Refund feature allows you to make purchases and if you see the same item being advertised for less within a certain time period of the purchase, you can get a refund for the difference (up to a certain limit).
See Terms (Variable)*
Snapshot of Card Features
- $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
- 0% Intro APR on Purchases and Balance Transfers and variable APR based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
- 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
- Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
- No annual fee*
The Retail Purchase Protection feature covers any purchased item against theft or accidental damage for a set period from the date of purchase. The liability on unauthorized charges ensures peace of mind when you shop. Automatic Travel Accident Insurance, access to Travel and Emergency Assistance, Citi MasterCard Payment Tag with PayPass, Virtual Account Numbers, and many more such perks are available to the cardholder. To see the complete list, log on to the Citi Credit Cards page.
The Citi Diamond Preferred Credit Card ensures that you get rewards on everyday purchases and make the most of your card with access to a whole lot of benefits. The “No Annual Fees for life” makes getting this card that much sweeter!
Citi Premium Cards Improve Benefits
In a bid to compensate for new regulations brought in by the CARD Act which restricted their ability to generate credit card income, credit card companies have been increasing fees and introducing new ones for consumers with poor credit ratings. However, at the other end of the credit card market, more affluent consumers are seeing premium credit cards improve benefits offered to customers.
Citi Bank is one of the major credit card issuers who has increased the benefits offered to their premium credit cardholders.
The Thank You Premier Card which is issued by Citi now offers a yearly companion ticket, a 15% discount on domestic air tickets (including coach, economy, and first-class tickets), and additional insurance policies for trip cancellation and lost baggage.
Citi has also abolishing foreign transaction fees. This is a move that is fast becoming an industry-wide trend among credit card issuers with Capital One already offering the feature and both Chase and American Express set to follow in the coming months. The card carries a $125 annual fee for primary cardholders and an additional $50 annual fee for each additional cardholder.
The card is only available to those with good credit rating and the APR rate offered is based on credit scoring, with the lowest APR being offered to those with the best credit rating.
Citi’s ThankYou Prestige Card goes even further to offer special improve benefits to cardholders. The companion ticket offered can be used for international travel rather than the domestic travel offered by the Premier version of the card.
Prestige cardholders are also now able to take advantage of Gold-level membership in the Hilton HHonors frequent stay program as well as access to a personal concierge service and membership to the Priority Pass airport lounge program.
The Prestige card is aimed at the most affluent consumers with an excellent credit rating as is reflected by the $500 annual fee for primary cardholders and $175 annual fee for each additional cardholder. These benefits are in addition to those offered by the Premier version of the card, such as the 15 percent air travel discount.
The Citi bank and their rival credit card issuers are pulling out the stops to attract premier clients who will spend more and bring in much-needed profit to compensate for lost revenue as a result of the tighter regulations enforced.
Citi ThankYou Cards Recap
Citi ThankYou Credit Card – The Citi ThankYou Card (aka ThankYou Preferred) offers you a simple incentive program that makes it easy to redeem your points. You could also save some money with low introductory rates and the fact that this card has no annual fee.
Citi Forward Credit Card – The Citi Forward card is focused on the youth/ The card also comes in Forward for College Students Version. These cards are easy to manage and earn steady ThankYou reward points on the things you usually do every day. The best current alternative is the Deserve EDU card (Review).
Citi Diamond Preferred Credit Card – Are you looking for a card that showers you with reward points, a card that allows easy balance transfers, and one that gives you easy access to your account online or via the phone? Make the smart choice with the Citi Diamond Preferred credit card.
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