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0% APR for 12 months on BT and purchases, 15K bonus points (=$150 gift card), 1% cashback - Citibank : CitiŽ ThankYouŽ Preferred Card, spend $1K within 3 months; Exp. - unknown


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#1 markber

markber

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Posted 27 June 2013 - 03:45 AM

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Terms:

0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.

The standard variable APR for purchases for the Citi ThankYou Preferred Card is 12.99%,17.99% or 22.99% based on creditworthiness. If you are approved for the Citi ThankYou Card, the standard variable APR for purchases will be 22.99%. The standard variable APR for cash advances is 25.24%. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum finance charge $0.50. Fee for Foreign Purchases — 3% of each purchase transaction in US dollars. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — Either $5 or 3% of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.


Other card features:

Earn 15,000 bonus ThankYou Points after $1000 in card purchases within 3 months of account opening - enough for $150 in gift cards or other great rewards!**

0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness.*

Earn 1 ThankYou Point for every $1 you spend on all purchases.

Enjoy global acceptance and enhanced security with your Citi Card with Chip at merchants that use chip terminals to accept payment.

No points cap or expiration.

Get extra points when shopping through the ThankYouŽ Bonus Center, a network of 600+ retailers you know and love.

15,000 Bonus ThankYou Points Offer: You will receive 15,000 bonus ThankYou Points after $1,000 in purchases are made with your Citi ThankYou Preferred Card within 3 months of account opening. Once these points post to your account, you may redeem for your choice of a $150 Gift Card good at leading national merchants or save them to use for other great rewards. Returned purchases do not qualify.

Citi ThankYouŽ and Citi ThankYouŽ Preferred Card Terms and Conditions

CitiŽ ThankYouŽ Rewards is offered to certain cardmembers ("you") at the sole discretion of Citibank, N.A. ("we"), the issuer of your card account ("Card Account"). ThankYou Rewards or any portion thereof may be revised or terminated with 30 days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Rewards is terminated, you will only have 90 days from ThankYou Rewards termination date to redeem all your accumulated ThankYou Points ("ThankYou Points"). Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice.

You will earn one ThankYou Point for every dollar you spend on purchases unless the offer to which you responded has a different
ThankYou Point earning description. Only purchases are eligible to earn ThankYou Points. Personal banking transactions you make using your card will earn only 1 ThankYou Point even if the offer to which you responded has a different ThankYou Point earning description. If the offer to which you responded allows you to earn additional ThankYou Points at supermarkets, drug stores and gas stations, they are defined as follows: Supermarkets are stand-alone merchants that primarily sell a complete line of food merchandise for home consumption. Drugstores are stand-alone merchants that primarily sell prescription and proprietary drugs and nonprescription (over-the-counter) medicines. Gas stations are stand-alone merchants that primarily sell vehicle fuel for consumer use. Your ThankYou Points will not expire unless we terminate ThankYou Rewards.

For new accounts opened through July 27, 2013: At the end of your first Citi ThankYou Card account membership year (your membership year begins the date you became a Citi ThankYou cardmember ), you will also earn a 1% Anniversary Bonus calculated as a percentage of ThankYou Points earned from purchases during that membership year.

Note: The Anniversary Bonus calculation does not include any other points, including bonus ThankYou Points, you may have earned during that membership year. It may take 1–3 billing statements for the Anniversary Bonus to post to your Card Account at the end of the first membership year.

You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed, you will not be able to earn ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account. Balance transfers, cash advances, convenience checks, returned purchases, disputed or unauthorized purchases/fraudulent transactions, finance charges, Card Account fees, and fees for services and programs you elect to receive through us do not earn ThankYou Points unless otherwise specified.

If you are approved for a Card Account, a ThankYou Rewards Member Account ("ThankYou Member Account") will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle, and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current.



#2 ErinL

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Posted 26 July 2013 - 12:06 AM

The introductory APR is great. That 0% could really help someone to get their finances (in terms of credit cards) more in order. The only concern I would have is that the interest rate could jump so much after that time. Do you know when you sign up for the card, what your actual APR will be after the time period ends? I would not want to be surprised.







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