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My partner gets offers at least 1 a week for Bank of America and Citi (I hate BofA so give little look to them, nd the never offer anything past 12 months and 1,2,3%) but this is the BEST Citi offer I have ever seen based on 18 months 0% then up to 11.9% (Which I feel is good these days, no Tiers either!) and this up to 3%, so after being Cardholder for 2 or more years, each year at end of that year you will earn 3% back on your thank you points of the year (not bonus)
so...
1. Has anyone else gotten this, got it?
2. Is this new as I think or does anyone have a card that they earn annual bonus?
3. If I'm reading you can earn 1%... 1% all year then get 3% on that, so would that give you 4% on ALL purchases if they don't stop the offer and you keep account good and all that or is it 3% on say your $1000 worth of point value off the 1%. that would suck! LOL
We looked at this a year ago, but my wife ended up going with the premier version (which eventually gets to 5% bonus and has an assortment of travel benefits she utilizes). It was there at least a year ago. The interest rate is tiered, but Citi pre-approvals often include a pre-specified interest rate. From their web site, "The standard variable APR for purchases for the Citi ThankYou Preferred Card is 12.99%,16.99% or 22.99% based on creditworthiness". So you are getting a targeted offer.
@Creditaddict wrote:1. Has anyone else gotten this, got it?
2. Is this new as I think or does anyone have a card that they earn annual bonus?
3. If I'm reading you can earn 1%... 1% all year then get 3% on that, so would that give you 4% on ALL purchases if they don't stop the offer and you keep account good and all that or is it 3% on say your $1000 worth of point value off the 1%. that would suck! LOL
I PCed my Dividend to TYP. This is not new, all TYP earn annual bonus.
No, it is actually 1.03% max. You earn 1 TY point per dollar spent, and at the end of calendar year you get 3% on TY points you already earned. So 100 TY points means you get extra 3 TY points. Simliar to how Chase Sapphire Preferred works; 2.07% return per dollar spent.
That is a 3% bonus on points earned. So if you earned 10,000 points, you would get a 300 point bonus. It's like getting 1.03 points per dollar spent, not 4, that would be kinda nuts, when in fact it's barely worth mentioning.
That is normal for Preferred. That is what I have. It goes between 1-5% for Premier after so many years