Verdict: The Citi Forward® Card is a great rewards card that also reduces your APR when you use your credit properly.

Overview: The Citi Forward® Card reduces your purchase APR when you use your card responsibly. You also earn points for spending, and when you sign up for paperless statements.

How This Card Works:
The Citi Forward® Card earns 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases. $100 in gift cards – When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months. This card also reduces your APR when you use your credit wisely. With no annual fee*, that makes this a great rewards card that encourages you to stay on track with your credit use.

Travel and Shopping Benefits:
This credit card earns 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases. You can earn up to 75,000 points per year, which will expire 5 years from the date they are acquired. Rewards that you can redeem your points for include gift cards starting at 1,000 points, student loan rebates and statement credits starting at 2,500 points, charitable gifts, and travel.

Fees:
0% Intro APR on balance transfers for 12 months* and 0% Intro APR on purchases for 7 months*. After that, the variable APR will be 12.99%-22.99%* (Variable) based on your creditworthiness.* There is no annual fee*.

Pros:

  • APR lowers with good credit use
  • 12 months 0% introductory APR on Balance Transfers* and 7 months on Purchases*
  • Low APR
  • Good rewards program

Cons:

  • High default rate

Apply For Citi Forward® Card

  • Credit Required
    Average Credit
  • Rewards Program
    5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases.
  • Signup Bonus
    10,000 Bonus Points ($100 in Gift Cards)
    after you make $650 in purchases and sign up for paperless statements within the first 3 months.

CreditShout Rating:
( Very Good )