Citi ThankYou Preferred Card – 20K Bonus, No Spend Requirement

Citi is offering 20,000 ThankYou points for their ThankYou Preferred Card. What’s interesting about the offer is that it comes with no spending requirement at all.

Citi ThankYou® Preferred Card



The wording is a bit weird. It says that in order to receive the points, you need to make $0 in purchases within 3 months of account opening. 

Maybe they mean you shouldn’t use your card at all for the first three months? Exactly $0 in purchases? Most likely not.



Make sure you take screen shots of the offer and your application, in case this is a mistake from Citi and they try to withhold the points later on.

This is a good deal considering the card has no annual fee. The card earns 2 ThankYou points per dollar spent on purchases for dining at restaurants and entertainment and 1 ThankYou point on all other purchases. Points do not expire.

The card offers has had a higher bonus in the past. 30,000 ThankYou points with a $2,000 spend requirement.

Bonus ThankYou Points not available if you have had a Citi ThankYou Preferred card opened or closed in the past 18 months.

Other Cards With $0 Spending Requirement?

On the Citi page there’s some other cards that are showing a $0 spending requirement, such as the AAdvantage Executive World EliteTM MasterCard or AAdvantage Platinum Select World MasterCard. However when you click the “Learn More & Apply” link, they show a spending requirement.

Citi Credit Card.png

For these cards, most likely they won’t honor the bonus if you don’t do any spending.

HT: reddit

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