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Disclosure: Miles to Memories has partnered with CardRatings for our coverage of credit card products. Miles to Memories and CardRatings may receive a commission from card issuers.

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Click here to learn how to apply

Welcome Offer:

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Key Perks:

  • Low intro APR for 15 months on purchases and balance transfers
  • Cashback is earned in the form of ThankYou points
  • Points can be redeemed for cash, gift cards, travel and more
  • annual_fees annual fee
5%
cash back on your top eligible spend category up to $500 spent each billing cycle
1%
unlimited cash back on all other purchases made with your card
$0
annual fee

More:

  • More Citi credit cards

Our Quick Review

Get into the ThankYou point ecosystem with the ability to up your earnings in the biggest category of spend. This card carries no annual fee and has a decent low intro APR offer for new cardholders.

Opinions, reviews, analyses & recommendations are the author’s alone, & have not been reviewed, endorsed or approved by any other entities. Links may provide us with a commission. For more info see: Advertiser Disclosure.

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At Miles to Memories we share the best tips, tricks and deals plus travel rants, musings, hotel, airline and loyalty program reviews and a lot more! Our goal is to help people save money so they can get out there and travel the world! Through our various blog posts, podcasts & videos we teach others how to maximize loyalty rewards, hotel & airline programs and credit cards to achieve amazing things.

Disclaimer - Miles to Memories & the author are not credit providers and do not provide personal financial or professional advice or credit assistance. The information published on this site/page is of a general nature only and does not consider your personal objectives, financial situation or particular needs.

All information published here is personal opinion and comes from personal experience. The information published on this site/page should not be relied upon as a substitute for personal financial or professional advice. ESR Media, LLC, Miles to Memories and the author strongly recommend that you seek independent advice before you apply for any product or service, which is described on the site/page.

Editorial Note - Opinions expressed here are the author's alone, not those of any partner bank, credit card issuer, hotel, airline, or other partner. This content has not been reviewed, approved or otherwise endorsed by any of the entities included within the post.