Choosing between 2 CITI Thank You Preferred Offers.

[Crystalsicles]

I currently have 2 offers from CITI for the Thank You Preferred Mastercard. The first offer is for 0% APR for 21 months and 11.99% APR afterwards. The other is 10,000 bonus points if I spend $500 in the first 3 months (redeemable for $100 in gift cards), 0% APR for 15 months and 12.99 APR afterwards. I'm trying to decide which one to choose or if I should apply for the card at all. Any suggestions?

[longtimelurker]

It depends if you need a zero APR at all, and if so, for how long?  If you don't, and don't usually carry a balance, then this isn't a great card.  The $100 bonus is low, the standard offers are $200-$300 (with a higher spend though).  The TYP isn't a very good for rewards IMO.  But if you need a 0% APR for 21 months, then this is good!

[MoreRewards]

For most cards offering the bonus at a lower $500 spend $100 is pretty standard. If you went for a TYP I'd go for the one with the bonus.

[B335is]

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@MoreRewards wrote:
For most cards offering the bonus at a lower $500 spend $100 is pretty standard. If you went for a TYP I'd go for the one with the bonus.

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+1

Citi will still flood your mailbox with balance transfer offers for years after approval, I would def take the offer with the bonus.

[longtimelurker]

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@MoreRewards wrote:
For most cards offering the bonus at a lower $500 spend $100 is pretty standard. If you went for a TYP I'd go for the one with the bonus.

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Right, but if you just want the bonus and can meet a higher spend, better to go for the standard offers and get 3x as much, or just go for another card with a better rewards structure and/or bonus.