citi forward credit card review

Citi Forward Credit Card Review

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Update: The Citi Forward was one of the best rewards programs around, earning 5 ThankYou points per dollar at book stores, theaters, fast food and restaurants. The Forward card and the student version were discontinued in 2014. If you’re looking for a rewards card that offers 5x points, check out the Discover it card instead. The it card earns 5% back on rotating categories and 1% back on all other spending with no annual fee. It also has a student version if you’re in college.

The review below is now for reference purposes.

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

  • Credit Required
  • Rewards Program
  • Signup Bonus

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Credit Shout is a community of personal finance experts dedicated to helping you save money and make smart financial decisions. Learn how to master your credit card rewards, improve your credit score and start eliminating your debt.

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