Citi Forward® Card
The Citi Forward® Card , issued by Citibank, is a rewards credit card that earns you more rewards than you thought possible – and in more ways than one. Plus, you can even lower your APR over time by using your credit wisely and responsibly. It's simply the right choice for you!
0% Intro APR – As a new applicant, you will enjoy a 0% introductory APR for 12 months on balance transfers. You will also have an interest-free period of 7 months on purchases. A variable APR between 12.99% - 22.99% will apply once this special offer is over.
10,000 bonus ThankYou® Points – When you charge $650 or more to your card and set up your account to receive paperless statements within the first three months, you will then earn 10,000 ThankYou® Points. Redeem your points for $100 in gift cards you can use toward great rewards.
Earn ThankYou® Points – Take it a step further than just simply earning bonus points. Garner 5 ThankYou Points for every $1 spent at restaurants and on books, movies and music. You can also receive 1 ThankYou Point for every $1 spent on any other purchase you make.
APR Reduction – You may not be able to lower your APR with other cards but with the Citi Forward® Card you can do so by up to 2%. All you have to do is make a purchase, stay below your credit limit and pay on time for three consecutive billing periods. Your APR will then be reduced by 0.25% every quarter, with a maximum of 8 times.
No Annual Fee – Enjoy no annual fee with this card – it doesn't get any better than that.
The Citi Forward® Card , issued by Citibank, opens up the door to convenient ways in which you can practice fiscal responsibility and still earn rewards on all your purchases. Earn up to $100 in gift cards with bonus ThankYou Points and lower your APR over time when you use your credit wisely.
Citi Forward® Card
| Name of Card | Citi Forward® Card |
| Card Issuer | Citibank |
| Card Category | Reward - Other |
| Card Status/Type | Standard / Visa |
| Credit Rating Needed | ExcellentGood |
| Best Feature(s) | Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points |
| Minimum Credit Limit | Some credit limits may be as low as $500 |
| Maximum Credit Limit | Based on income/assets and credit report |
| Introductory APR | 0% |
| Introductory Offer | 0% Intro APR* |
| Additional Details | 0% Intro APR for 12 months on Balance Transfers*; 0% Intro APR for 7 months on Purchases* |
| Regular APR | 12.99% - 22.99%* (Variable) |
| Cash Advance APR | 25.24% |
| Grace Period | 23 Days |
| Annual Fee | $0* |
| Late Fee | Up to $35 |
| Over Credit Limit Fee | None |
| Cash Advance Fee | 5% of each cash advance; $10 minimum |
| Balance Transfer Fee | 3% of each balance transfer; $5 minimum |
| Reward Type | Point |
| Reward Expiration | Points expire 5 years from the end of the month in which they are earned, unless ThankYou Rewards is terminated before that time. |
| Reward Annual Limit | 75,000, not including bonus points. |
| Reward Points Details | Cardholders earn 5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 ThankYou® Point per dollar spent on all other purchases. |
| Points per Dollar Spent | 1 Point |
| Additional Point Rewards | 5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. |
| Bonus Details | 10,000 ThankYou bonus rewards points when you spend $650 in purchases and sign up for paperless statements within the first 3 months - redeemable for $100 in gift cards! Earn up to 1,200 bonus points per year when you pay on time and stay under your credit limit each billing period. |
| Other Bonuses | 10,000 ThankYou bonus rewards points when you spend $650 in purchases and sign up for paperless statements within the first 3 months; 1,200 bonus points for paying on time and staying under your credit limit. |
| Additional Perks | See website for additional benefits. |
| Editor’s Notations | See website for complete terms and conditions of card usage and application disclosure. |
| Last Updated | May 11 2012 10:30AM |
