Citi Forward® Card

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Info about the Citi Forward® Card has been collected by CardHub to help consumers better compare credit cards. The card issuer did not provide the details.
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Change my rating to: Excellent

Citi Forward® Card’s Rewards

10,000 points
Base Earn
1 point / $1
Max Earn
5 points / $1
  • $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.
  • 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.

Citi Forward® Card’s Key APRs & Fees

Purchase Intro APR
0% for 12 months
Transfer Intro APR
0% for 12 months
Regular APR
12.99% - 22.99% (V)

Citi Forward® Card’s Additional Info

  • MAX LATE FEE   $35
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
    25.24% (V)
    5% (min $10)
  • 0% intro APR for 12 months on balance transfers and on purchases. After that, 12.99% - 22.99% variable.
  • APR reduction on purchases when using credit wisely.
  • No Annual Fee.

Customer Questions and Answers

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Customer Reviews

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4.2 out of 5

250 reviews
Photo of Luke B.
Nov 14, 2014
This was the first credit card I got. I applied for it while I was in college and still have it. Citi is a good company, their online account and payment system is super easy to use. I frequently use the rewards points to shop on Amazon.
Photo of Linda K.
Sep 29, 2014
I believe Citi is one of the best credit card companies out there. They have great customer service and their website is very easy to use. This card in particular has great rewards (things you actually want to get!) compared to most other credit cards. Getting a credit line increase is also fairly simple process too! I would definitely recommend this card for a student's first credit card or for someone's "main" card. I think the rewards and customer service are wonderful and make this card worth getting.
Photo of Frank O.
Dec 11, 2013
I am a sucker for bonuses, so the 10,000 point signing bonus is a big draw here. Also the fact that you get a gift certificate $100 when you redeem these points, talk about bonuses! I also love that you can earn 5 points when you spend on things such as restaurant and movies. This is the perfect card for date nights.
Photo of Влад .
Dec 8, 2013
This card is simply awesome! The customer service is great, and the reward points that you get with the Citi Forward card are really good too. You can get 5 points per dollar if you buy things at places like restaurants and bookstores (even Amazon!), and for other transactions you get 1 point per dollar. The good thing is that you can redeem these points to pay for travel, entertainment, or even exchange the points for cash. I have used other cards like Capital One and they don't offer a rewards program this good.
Photo of Chris C.
Dec 5, 2013
The Citi forward card is fantastic. You really can't be the rewards you receive with this card. The 0% on intro APR for balance transfers is great for moving any revolving debt away from any high interest cards that I had. The rewards were similar to the CapitalOne Venture card except for the fact that this one gave me a bonus points which I was able to redeem for a gift card when I spent $650 in the first 3 months. I would recommend this card to anyone who is looking for rewards credit card.
Photo of Rich M.
Nov 26, 2013
I never miss payments, so I can't speak for the late fees or interest rates-- but the rewards on this card are great if you use the card selectively. It's not the main card in my wallet, but I use it any time I'm in a restaurant or bar. As someone in their mid-20s, I eat out a bunch and go to bars which get classified as restaurants-- and those purchases earn a cool 5 points per $1 spent. The points are worth $0.007 when redeemed on Amazon, so you're effectively getting 3.5% cashback on your drinking habits. Perfect for someone who likes to go out a bunch.

Just keep more
Photo of Connie C.
Nov 25, 2013
The Citi Forward card has a points rewards system which is more confusing than simple cash back. I prefer cash back cards such as my Bank of America card. The interest rate is average, but I do love the intro rate of 0% for 12 months. That would be very beneficial, especially if you have a large purchase you need to make in the near future but don’t want to pay cash. I would consider getting this card if the rewards system was up to par, but since that’s one of my biggest concerns with credit cards, I’ll have to stick to my cash back cards which work better for more
Photo of Jester C.
Nov 21, 2013
Offered through Visa , the Citi Forward Card looks very similar to the Citiv Preferred Card on the surface. One immediate difference is the rewards program, which albeit is standard in relation to most top rated reward programs – 1-point for each $1 spent, with a max limit of 5-points. The card offers one full year at a 0% introductory rate on all purchases, including balance transfers, which is 6 months less than the sister Preferred card. But one facet of the Forward Card is the availability to those applicants who have a credit score that falls only under the good criteria. Most rewards cards with appealing introductory interest offers, more
Photo of Nicole A.
Nov 16, 2013
My brother has the Citi Forward Credit Card and swears by it, he got it while in college. There is no annual fee, no sign up fee, no monthly fee, and a low APR of around 13%. My brother also uses his rewards all the time, and when getting 5 points per dollar at restaurants and movies, he earns them quickly. There is also 0% APR the first 12 months, how can you go wrong with that. If you pay on time and under the limit, you also get other rewards and bonuses. Lots of incentives for college students. If people are looking for other cards and do a lot more
Photo of Michael R.
Nov 8, 2013
The Citi Forward credit card has some very attractive features but also falls short of perfect in many ways. I personally like the 0% APR for the first 12 months. An offer that caught my eye was the 10,000 initial bonus points that will help you to begin accruing reward points quickly. However, you need to charge $650 dollars on the card, sign up for paperless statements, and redeem your 10,000 initial rewards points within the first three months in order to get your $100 gift card. You can also gain anywhere from 1 to 5 points per dollar charged to this card, but you only get 5 points per more
Photo of Sean P.
Nov 8, 2013
I was sad to see this card discontinued. My girlfriend moved on to this card after she had her Matrix card. Great for the first year or so and then the interest rates went up. That's okay there's always something better in the future and without this card and the Matrix card we wouldn't have the outstanding credit that we have today. I'm really thankful that banks offer cards like this for people like me who are struggling to get new our credit score up. The customer service, as usual, has always been great with city bank and they've always answered my inquired promptly.
Photo of Justin S.
Nov 5, 2013
The Citi Forward Card offers decent terms, but you are likely to find other cards that will maximize your rewards points. There are some nice qualities though, such as no annual fee and 0% APR for the first 12 months. My gripe is with the rewards system. Unless you buy a lot of books, movies, or music, you might not rack up points that easily. 5 points for every dollar spent at restaurants is nice, but as a college graduate I still don't have a lot of money to throw around at restaurants. And then it's just one point for dollars spent on everything else. Personally, I believe my Amazon more
Photo of Drew B.
Oct 29, 2013
The Citi Forward Credit Card is a very good card to have. There are no annual fees, there is a long grace period should you forget to make a payment, Also, for the first year there is no interest on purchases which can be very useful if you plan of making a big purchase yet don't have the money to pay for it by the end of the month. The initial 10,000 points can be redeemed for a 100$ gift card as well which is a great incentive to start with this card. The requirements to redeem the 100$ gift card are easy to meet because all you need to more
Photo of Tawny G.
Oct 24, 2013
The Citi Forward card’s terms and conditions seems pretty standard. The interest rates during the initial period are great. Zero percent for the first year is really good. They allow balance transfers also for a good low rate. The interest rate after the initial first year is pretty standard as well. On the low end, 12.99% is quite low for a basic credit card. This card seems like a good pick as long as you take advantage of the rewards that come with it. The no annual fee is a great service. Overall, this card looks like a good one. The only down side is this website says the card more
Photo of Anita G.
Oct 21, 2013
The Citi Forward Card is a good credit card to get on your feet if you are able to transfer over to it. If you know that you will be able to pay off the money you owe within the promotional period, the zero percent offer for balance transfers is good to take advantage of. The APR on the credit card is great as long as you keep your credit usage at a decent rate. However, I do not often spend money on books, movies, and music as I use the library a lot which, if I did, would earn me five points cash back. Therefore I prefer the Chase more
Photo of Jeremy A.
Oct 12, 2013
This card seems like a very good deal - five points on books, movies, and music. Those are some pretty common and broad categories, so it seems like it would be relatively easy to earn those extra bonus points. That would mean that if I bought a movie at say $25, I would earn 125 Thank You points. The interest rate seems good too, plus it comes with a 0% APR initial promotion. This may have recently been changed to the Simplicity card recently however, I'm not sure if they're still giving out the Forward.
Photo of Stephen M.
Oct 11, 2013
I am really pleased with the Citi Forward card. The interest rate for the card is very low which you do not see any more these days. It offers a great point program and if you take advantage of it in the time frame they offer for the 10,000 bonus point offer, you can really make it worth your while. The card also offers a great balance transfer rate. Citi's customer service is also great and I have never had any issues with them. The only problem I would have with the card is the cash advance rate, which is quite high. Otherwise I love this card and I highly more
Photo of Dolores S.
Oct 3, 2013
The Citi Forward card is a good card as far as the interest rates and the annual fee are concerned. The rates seem to be low unlike other cards. Even the Sony card from Capital One or NFL card do not offer rates quite as low as the Citi Forward card. (they start at 13.99 or 14.99%). As far as the rewards go the Sony card only gives you 5000 bonus points. The NFL card gives you 10,000 bonus points. All of these cards offer you a chance to earn extra points but unlike the other two, the Citi Forward card allows you to earn extra points on things that more
Photo of Jonathan D.
Sep 27, 2013
The Citi forward card is great. Its just as good as my USAA card but much less exclusive. The 0% interest rate was a nice surprise and even after that the 12% is still really low compared to most cards. The cash advance rate is high but thats just like every other card out there. The bonus points are also nice if that's your thing. The rules for the bonuses are clear cut and make a difference over time. The sign up bonus of 10,000 points was a great insinuative, it's like they handed me an extra hundred just for signing up. All together I was really pleases with the more
Photo of Abby L.
Sep 18, 2013
The Citi forward card is a great credit card for people who go out a lot. I have had this credit card for about 9 months and I mainly use it for dining. I get 5 points for every $1 that I spend. I just have to remind that I for other stores, I only get 1 point. After a couple of months, I am able to redeem my points for a gift card. I usually redeem it for a Macy's gift card. Overall, a good credit card for restaurants. Other than that, you can get better benefits with other credit cards.
Photo of Sheryl P.
Sep 12, 2013
The City Forward card has some nice benefits if you spend your money in fun entertainment categories such as books, music and movies. Those categories earn 5% back, as opposed to 1% back on everyday purchases at other stores. The cool thing about the City Forward card though is that they have a very nice sign up bonus. By spending $650 in the first three months they will give you $100 in gift cards! Keep in mind that you will also need to sign up for paperless statements or else you won't get the gift card bonus. Overall it's a good credit card to have in your wallet for spending more
Photo of Sandy H.
Sep 6, 2013
The Citi Forward is a great card, especially if you are just starting out. I originally got mine as a student to cover school expenses, but was happy to continue using it beyond graduation. The points rewards are decent, but they definitely get the most mileage on I especially like that I can pay for Amazon orders directly with my points.

My only complaint would be that the points to cash-back ratio isn’t as good as the points to Amazon purchases ratio. It would also be nice to have more cash-back and points options on regular purchases such as gas and groceries. Nonetheless, I’m very happy with Citi Forward. more
Photo of Joseph P.
Aug 23, 2013
The Citi Forward card is my favorite card. The main reason for this is I get 5 points for every $1 spent on Since I do nearly all my shopping on Amazon, no card is better. Even the official Amazon card only offers 3 points per $1 spent. The Citi Forward card also gives 5 points per dollar at restaurants! Since it is a Citi card, you can redeem your points for pretty much anything with Citi rewards. There are plenty of gift cards that pay $1 per 100 points, which is practically the best you can find anywhere. All in all, this card definitely gets the most use more
Photo of Chris M.
Aug 22, 2013
The Citi Forward Card is a great rewards card to have, especially if you like to eat out a lot and buy books and the sort. The rewards definitely add up and you can save quite a bit from using this card on a regular basis. I just found out that Amazon counts as a bookstore so, yea that's amazing. I usually buy my books from amazon so I wish I knew that before. No annual fee, no other lame fees that aren't normally associated with credit cards. Great customer service, just an all around good card. It isn't that difficult to get approved for either. Highly recommended!
Photo of Luke T.
Mar 14, 2013
The Citi Forward card is possibly one of the best cards to have for single living. You get 5X ThankYou points per dollar spent at restaurants, fast food, the cinema, theme parks, book stores, and more. Little did I know is that counts as a book store, so you can even get the bonus points there!

The ThankYou rewards program is known for their extensive list of items they offer. Amazon has also recently accepted these points to pay for anything on their website. If you go out on dates, eat out, or shop online a lot, this versatile card is a must.

Some of the other random perks:
- Your APR more
Photo of Marylin B.
Jan 25, 2013
This is a really nice card. There are nice advantages for the first few months which allow you not to pay too much interest if you go in debt. I find it very easy to check my balance with the online website and very easy as well to pay my bills. The citi rewards go up pretty fast and they offer some nice rewards. Overall I am really satisfied with this card and would recommend it. It is my first credit card and given that I'm a beginner and yet manage to go through life without any credit card debt so far shows that this card is really good for more
Photo of Mayank S.
Dec 30, 2012
Not recommended if you are not a citizen/gc holdder!
Photo of Card H.
Jan 5, 2013
That's very interesting, usually credit card companies only ask for your Social Security Number. Would love to hear more about your experience with this card.
Photo of Chelsea M.
Dec 14, 2012
I quite enjoy this card. I have no major qualms about it. The online payment site is easy to use. Setting up automatic payment through my bank was easy too. I love how great their customer service is. The rewards service is great too, especially for a first credit card. Super easy to keep track of what points I have earned. The fees are laid out from the beginning. I've yet to have a hidden or new fee that wasn't given full and proper notice from day 1. I would recommend this card to anyone looking for a good company that is easy to deal with.
Photo of Jinxy B.
Dec 14, 2012
I am very happy with my Citi Forward Card. The introductory period is a little longer than most cards and even without special offers, rewards add up very quickly! I like that you can use rewards bucks to pay your bill. This is something more companies should allow. The interest rates are fair and I have never been charged any interest or fees I didn’t understand. This would be a good card for those looking to establish or improve their credit because your interest rate can be lowered by simply paying on time month after month or even by paying your bill in full regularly. Other card companies could really more
Photo of Trey R.
Dec 7, 2012
The Citi Forward Card was one of my first credit cards. The ability to quickly accumulate rewards is what initially drew me to the card. After reading all of the disclosures, the deal was sealed. The fact that I could accumulate rewards so fast, without hidden fees made the choice a no-brainer for me. I love the fact that I can spend money on things I need using the card, and receive rewards which I can use for the things I want but maybe would not spend money on if it ha to come out of my normal monthly budget. That is my main reasoning for using this card to more
Photo of Ila H.
Dec 7, 2012
The Citi Forward card is an excellent credit card and I love the benefits that come with it. First, there really are no hidden fees or surprises at any times which is definitely a plus. Another excellent benefit of this card is the cash back. There are hundreds of purchases you can make each month that Citi offers greater returns on, such as books, dining, and movies, along with the already great rate at which cash back is earned. Going through Citi's Thankyou Network, there are thousands of options of what to do with your points earned on this card as well, if cash back is something you're not as more
Photo of Hildred B.
Nov 30, 2012
This is a great card with good intro period and they give you lot of points on purchase which you can convert to dollars. I was really impressed with how quick they were in reviewing my application and approving it. I tried few other cards before this and they took too long to approve my application but this card got approved within a day. I don't pay any annual fee so that's another plus for me. If you are someone who makes lot of purchases then this card is for you since you'll be earning lot of points and converting them to dollars. You can also use those dollars to more
Photo of Jess P.
Nov 23, 2012
Citi Forward was the best choice for me when I really needed some extra cash flow. This card was geared towards students and it was a great choice for me especially being a no annual fee card with no interest charges for an introductory time period. It is also a rewards card which is a great added perk. I use this card more than my other cards because of this. It was also very easy to qualify for unlike other cards. I got an approval instantly! I would definitely refer anyone who is looking for a card with an overall great value to apply for this card.
Photo of Tony Y.
Sep 5, 2012
I have had this credit card for about 2 months. It's very simple and easy to use. There is no annual fee for the card, and I believe there is a six thousand dollar credit limit for me. This is the first credit card I have ever used that belonged to myself only. The interest rate for this card are decently low, but I have never missed a payment, and do not plan to either. I use this credit card primarily to build my credit and to get experience paying off purchases. I have yet to use my reward points, but for now I have around twelve thousand, which can more
Photo of Garrett L.
Aug 15, 2012
At first I had the Citi MTVU card, and then after college they upgraded me to this Forward Card. Up until recently, this was my primary card, and I enjoyed (and still do) the many ways you can earn points. I never held a balance on this card, so I have no experience with the APR or fees. Being able to get 5x points per dollar on restaurants, fast food, and bookstores really accelerate point earning ability. When going out to eat with friends, I tend to wait for everyone to pony up their cash, and then take all their cash and throw the balance on my card. For a more
Photo of Ann-Thérèse H.
Aug 6, 2012
I have had this card for a year and a half now. After doing a lot of research it seemed like the right card for me. So far I am very pleased with it. The card had an introductory period of 0% APR and after that the rate is fair. I got the card to start building my credit. I have had very good experiences with costumer service. One month I was very busy and forgot to make a payment. I made it a day or two late and after speaking with a costumer service representative who was very courteous and friendly, she got rid of the late fee. I more
Photo of John R.
Aug 6, 2012
I've had this card for awhile now, and I mostly use it as a secondary card. It's a great card, and the interest rates are fairly low, but the rewards require a lot of time and patience. With the amount of points required to redeem the $100 in gift cards and the rate at which you earn points, I often forget about the rewards completely. Because of that, I don't use the card as frequently as others. That being said, the few experiences with customer service I've had have gone smoothly. They were always nice and courteous, and often offered me extra reward points because of the issue I called more
Photo of Frank A.
Aug 1, 2012
Getting this card was interesting to me. I don't even really know if I can properly convey my experience with the Citi Forward card, but I will do my best. I've had this card for a while now with a pretty good credit line, and the experience overall has been absolutely average. It is a good card with a lot of benefits, such as its reward program. You earn points on purchases that can range from books, restaurants, and movies. You can then redeem those points for things like gift cards. It’s really a nice feature, but it doesn't really wow me. In a market that seems awash in cash more
Photo of Zach S.
Jul 18, 2012
My Citi Forward card is probably my favorite credit card to use. I've had it for a few years now. They gave me a good limit, have a great interest rate (0% introductory APR), and have a wonderful rewards program. I've gotten a few hundred dollars worth of gift cards in the first year. If your not into gift cards, the rewards catalog is extremely diverse; great for getting gifts during the holidays as well. Online services are wonderful, very intuitive, and very well laid out.

This card offers a little bit for everyone; I would recommend it to anyone who is looking to get a rewards card.
Photo of Miles P.
Jul 12, 2012
I got a Citi Forward card because I wanted a card with a credit limit higher than $500 so I could build more credit (something that can be tough for a 20-year-old). I applied, got accepted with a very generous credit limit with many perks. The 0% APR period was nice, as well as all of the identify protection features. The stand out for me, however, is the customer service you receive. I once had a payment that didn't go through because of my internet connection, but I though it had. So my payment, much to my surprise, was late, and I had a late fee to pay and my more
Photo of Card H.
Jul 23, 2012
You’re right; having more available credit will expedite credit building efforts, and it can be difficult for someone with little credit and relatively low income to garner approval for a card with a high limit. That’s one reason why secured credit cards are popular. The deposit you place in opening one serves as your credit limit, which means approval is virtually guaranteed and you can increase your available credit by simply adding to your deposit over time.
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Last updated on: Nov 14th, 2014 at 10:48 EST

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