Highlights

  • $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
  • 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
  • 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
  • APR reduction on purchases when using credit wisely
  • No Annual Fee*
Card information
Intro APR: Regular APR: Annual Fee: Intro Period: Issuer: Brand: Balance Transfer: Credit Needed: Card Category:
0% 12.99-22.99% (Variable)* None 7 months on purchases* Citi Visa 0%* Excellent N/A
Rates & Term Details

From the CompareCards.com Editor Team:

With the Citi Forward credit card you can earn 5 points for every $1 spent in restaurants, record stores, movie theatres, and video rental stores and 1 point for other purchases. Sign up for paperless statements and and earn an additional 1,000 bonus points. Redeem your ThankYou Points for gift cards, music and electronics or for student loan rebates, statement credits, and charitable donations. But if you cannot find a reward that appeals to you contact Citibank and they will create one just for you through their Your Wish Fulfilled option.
 
Credit education tips and tools to help do budget and investment planning are included under the Use Credit Wisely feature. With the Citi Forward card you receive up to a 2% purchase APR reduction when you stay under your credit line and pay on-time for three billing periods in a row. Optional services include payment and  insurance against loss of income due to certain unforeseen circumstances that are meant to help protect cardholders from identity theft while providing information and updates such as credit score and reporting details. You can also have your own picture and signature on the front of your Citi Forward credit card, a feature that enhances cardholder security and helps to avoid card theft or abuse.
 
A useful and innovative Virtual Account Number feature lets you shop online without using your primary account number. With one click of the computer mouse you can generate a substitute credit card number and use it for that transaction which then gets tied back to your card account without giving anyone your actual card number.
Expert Reviews of the Citi Forward® Card

  • star
  • star
  • star
  • star
  • star

Overall Rating

  • star
  • star
  • star
  • star
  • star

Introductory APR
0% Intro APR on purchases during the first seven months.

  • star
  • star
  • star
  • star
  • star

Benefits

  • star
  • star
  • star
  • star
  • star

Fees
In line with other offers.

  • star
  • star
  • star
  • star
  • star

Regular APR
12.99% - 21.99%* (Variable)

The Bottom-Line
The Citi Forward card offers unique ThankYou® Points rewards for doing such things as using the card often, making payments on time, or using the card at participating retailers.

The Good
This no annual fee card rewards you with rewards points for doing such things as paying on time, staying below your credit limit, and using paperless billing.

The Not So Good
Default APR of 29.99% kicks in if you violate certain cardholder terms by doing such things as going over your credit limit or missing a payment.

RATING:  
  • star
  • star
  • star
  • star
  • star
This is my credit card of choice!
Date Posted: 08/29/2010        By: Tom (Delray Beach, FL)
Detailed Ratings:
  • star
  • star
  • star
  • star
  • star
Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
REVIEW:
My favorite part of this card is the reducing interest rate. Use the card, pay on time, stay under your limit and every 3 months, the interest rate goes down .25%!
I definitely would recommend this card to a friend.
15 out of 17 people found this review helpful.
Was this review helpful? Yes   No  
Thank you for writing a credit card review and rating Citi Forward® Card. By taking a few minutes to share your opinions regarding Citi Forward® Card, you are helping other credit card users make informed decisions. Your Citi Forward® Card review is subject to our review guidelines.
Rate Your Citi Forward® Card
*
* Your Rating for Citi Forward® Card: Click numbers to rate the card
1 2 3 4 5
  
 
How is the Citi Forward® Card in terms of: < Poor         Great >
* Introductory APR (Purchases and Transfers)
* Benefits (Reward program, service discounts, theft protection)
* Fees (Annual fee, balance transfers, cash advances)
* Standard APR
* Customer Service
The most useful comments contain specific examples about:
  • How the Citi Forward® Card card has benefited you
  • Things that make Citi Forward® Card better than other credit card
  • Things that aren't so great about Citi Forward® Card
Please do not include: HTML, references to other sites, personal information or any profane, inflammatory or copyrighted comments.
*
Yes, I would recommend the Citi Forward® Card
No, I would not recommend the Citi Forward® Card
*
Ex. John the Runner
*
Ex. Chicago, IL