Credit Card Forum
  1. #1
    Centurion Member
    Join Date
    Jun 2013
    Location
    Honolulu
    Posts
    117
    Add pac4toon on Facebook Follow pac4toon On Twitter

    Default Citi ThankYou Preferred MasterCard Review: Worth It or Not?

    I received a "pre-selected" mail offer today for the Citi Thank You Preferred MasterCard. I'm just deciding whether to sign up or not. How would you rate this card? My main card has been AmEx BCE & CSP- I'm happy with them so far but I'm open to adding another CC to my family. Been looking around but haven't really decided.

    What are your thoughts on the Citi card?

    Thanks.
    In my wallet:
    Chase Sapphire Preferred / Chase Freedom / AmEx BCE / AmEx HHonors / BoH Hawaiian Airlines WEMC

    In my sock drawer:
    FHB Priority Rewards
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  2. #2
    Centurion Member
    Join Date
    Oct 2012
    Location
    NY
    Posts
    796

    Default

    The TYP isnt a very good card... It wouldn't add anything to what you already use (BCE/CSP).
    Credit Cards
    Amex BCE 25K ---- PenFed Platinum Rewards 15.5K --- US Bank Cash+ 12K --- Discover IT 6K --- Citi Dividend 5K --- Chase Freedom 12.5K --- Amex SPG 6K --- Citi Thank You Preferred 15K

    Not Used
    Citi Simplicity - 5K, Sam's Club Discover - 10K

    Future Cards
    Sallie Mae World Mastercard

    FICOs
    Exp 772 - TU 781 - Equ 781
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  3. #3
    Centurion Member
    Join Date
    Oct 2012
    Location
    TX
    Posts
    204

    Default

    2 points restaurants, like your CSP, and 2 points entertainment (live performances, sports, movie theaters, amusement parks, music stores, video rentals). No annual fee. The no pre-set spending limit might or might not be attractive. I might pick it up if I wanted to get a good sign-up bonus and then keep it as a niche card, if I was in an urban area that had better access to sporting events/theatre/etc. (I've currently got the plain-Jane Citi ThankYou.)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  4. Centurion Member
    Join Date
    Jun 2013
    Location
    US
    Posts
    771

    Default

    Seems like you're going about it backwards. Instead of considering a card because you received an offer, sort out what you're looking for from a new card and find a card that fits. Let your needs/wants select the new card instead of a random card company's marketing department.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  5. #5
    Centurion Member
    Join Date
    Jun 2013
    Location
    Honolulu
    Posts
    117
    Add pac4toon on Facebook Follow pac4toon On Twitter

    Default

    Thank you for your input cashback, midori and takeshi. I should stick to what I currently have until I find a card that "fits". Right now, BCE and CSP are perfect for my needs/wants. I was just wondering about the Citi cards. Have a great Wednesday!
    In my wallet:
    Chase Sapphire Preferred / Chase Freedom / AmEx BCE / AmEx HHonors / BoH Hawaiian Airlines WEMC

    In my sock drawer:
    FHB Priority Rewards
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  6. #6
    Green Member
    Join Date
    Aug 2013
    Location
    Texas
    Posts
    4

    Default

    I got a targeted mail offer for this card but with a promo APR instead of a point bonus. 0% for 21 months on purchases and balance transfers. I went ahead and applied and they beat my next highest limit card for a pretty generous credit limit.

    I honestly don't know long I'll keep this card around. The 2X points on restaurants is nice, but I don't really eat out too often. The World Mastercard benefits are nice as well but I only really applied as I wanted to take advantage of the promo APR on a balance transfer.

    My other cards are a Chase Disney and a 1%CB card from a CU, as soon as I get a better CB card with gas/grocery categories (probably Costco Amex or Blue Cash) I don't see myself using this card too often. I'll take advantage of the nice BT offer, and no annual fee for now though.
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

  7. #7
    Centurion Member
    Join Date
    Jan 2013
    Location
    United States
    Posts
    524

    Default

    Quote Originally Posted by skippy View Post
    I got a targeted mail offer for this card but with a promo APR instead of a point bonus. 0% for 21 months on purchases and balance transfers. I went ahead and applied and they beat my next highest limit card for a pretty generous credit limit.

    I honestly don't know long I'll keep this card around. The 2X points on restaurants is nice, but I don't really eat out too often. The World Mastercard benefits are nice as well but I only really applied as I wanted to take advantage of the promo APR on a balance transfer.

    My other cards are a Chase Disney and a 1%CB card from a CU, as soon as I get a better CB card with gas/grocery categories (probably Costco Amex or Blue Cash) I don't see myself using this card too often. I'll take advantage of the nice BT offer, and no annual fee for now though.
    I got this card mainly for the same thing...to park some longer term debt at 0%/21 months. I'll probably not use this card much if any after the period elapses, but I'm all for using other people's money interest free.
    Cards:
    American Express Platinum (NPSL)
    Penfed Platinum Reward Visa ($28K)
    Chase Freedom Visa ($25K)
    Fidelity American Express ($20K)
    American Express Blue Cash Preferred ($20K)
    Bank of America Cash Rewards MasterCard ($20K)
    Citi Thank You Preferred Visa ($9.5K)
    Chase Sapphire Preferred ($7.5K)
    US Bank Cash + Visa Signature ($7K)
    Discover IT ($4K)
    Digg this Post!Add Post to del.icio.usBookmark Post in TechnoratiTweet this Post!
    Reply With Quote Reply With Quote

+ Reply to Thread
 
These forum posts are not provided or commissioned by the bank advertiser. Posts have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
Advertiser Disclosure: The credit card offers that appear on this site are from credit card issuers from which CreditCardForum.com receives compensation. This compensation may impact how and where products appear on this site, including the order in which they may appear within listing categories. CreditCardForum.com does not include all credit card offers that might be available to consumers in the marketplace.