Citi ThankYou Preferred
No annual fee, earning Citi ThankYou Points, on the Mastercard network.
Card terms last verified against issuer pages on 2026-09-20.
The Citi ThankYou Preferred is a no annual fee card from Citi earning Citi ThankYou Points. It earns 2x on dining, 2x on entertainment and 1x on everything else. We have no recurring statement credits on file for this card.
Welcome bonus
Welcome offers change frequently and are often targeted. Confirm the current offer on the issuer's own application page before applying.
What it earns
Rates are the multipliers Citi advertises. We do not convert them into a percentage return, because that requires putting a price on Citi ThankYou Points and that price is a judgement, not a fact — see how we source this.
| Category | Rate | Notes |
|---|---|---|
| Dining | 2x | |
| Entertainment | 2x | |
| Other | 1x | Everything else |
Other perks
Benefits that are not dollar statement credits — certificates, lounge visits, point bonuses. Where a value appears it is an estimate, not an amount the issuer credits you, and it is excluded from the credits total above.
| Perk | How often | Estimated value |
|---|---|---|
| Citi Private PassAccess to presale tickets, VIP packages, and exclusive experiences for concerts, sporting events, dining, and entertainment through Citi's entertainment access program. | Once a year | — |
Protections and insurance
Coverage terms below are summaries. Insurance benefits are governed by a separate guide to benefits document from the issuer, and the exclusions in that document are what actually decide a claim.
- Extended Warranty — Get an extra 24 months added to your manufacturer's warranty when you purchase items with your Citi card and/or ThankYou Points. If your eligible item breaks, coverage will repair, reimburse, or replace it up to the amount charged or $10,000 per item, whichever is less. Total coverage cannot exceed 7 years from purchase date. Provided by Virginia Surety Company, Inc.
- Damage & Theft Purchase Protection — Covers eligible items purchased with your Citi card against damage or theft for 120 days from the purchase date. Coverage up to $500 per claim and $50,000 per cardholder per year. Provided by Virginia Surety Company, Inc.
Questions people ask about the Citi ThankYou Preferred
What is the annual fee on the Citi ThankYou Preferred?
The Citi ThankYou Preferred has no annual fee.
What does the Citi ThankYou Preferred earn?
2x on dining, 2x on entertainment, 1x on other, and 1x on everything else, in Citi ThankYou Points.
Does the Citi ThankYou Preferred charge foreign transaction fees?
Yes — the Citi ThankYou Preferred charges a foreign transaction fee on purchases made outside the United States.
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