Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

Card details

  • $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.*

Rates, fees & offers

  • Annual fee

    $0*

  • Rewards rate

    1.00%

  • Bonus offer

    10,000 bonus ThankYou® Points after $650 in purchases & paperless statement sign-up in the first 3 months.

  • Intro APR

    0% if you qualify for 7 months*

  • Ongoing APR

    Min APR: 13.74%, Variable

    Max APR: 23.74%, Variable

    Penalty APR: Up to 30.74%, Variable

    Cash Advance APR: 25.99%, Variable

  • Balance transfer fee

    4%

  • Foreign transaction fee

    3%

Recommended credit score

Not sure which card is best for you?

Take a simple quiz to find out

NerdWallet review

By Tim Chen

Rating details

4.5

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • 0% if you qualify for 12 months*

Cons

    Verdict - The Citi Forward® Card is hands down the best card for Dining and Restaurant rewards, due to the 5x rewards (5 points per $1 spent) in the category. However, be cognizant of the 75,000 point annual limitation.

    The card offers a 1,000 point bonus for signing up if you opt for electronic statements, and a $0* annual fee. Rewards are 5 points per $1 spent on dining, books, movies, and music, and 1 point per $1 spent elsewhere.

    Based on a survey of several current Citi Forward® Card holders, the card works as advertised, even at smaller non-chain restaurants in the Manhattan area. The only gripe is that Citi ThankYou Points are difficult to redeem at 1 cent per point. You have to save up 10,000 points to get a $100 retail gift card at a limited number of merchants. If you can't wait for 10,000 points, expect to get a bit less than 1 cent per point - you can redeem 6,000 points for a $50 gift card at a very wide selection of restaurants and stores.

    Consider using this as your dining card. No other reward card out there offers more than 3% at restaurants at the time of this writing. But with no annual fee, why not use this as your primary dining card? If you charge $500 per month to the card at restaurants, you end up with 30,000 points at the end of the year.

    User Reviews

    Rating Details

    NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.

    Already have this card?
    Tell us what you think.

    Showing undefined reviews

    Some of the reviews on the NerdWallet site were purchased through a third party provider. Users who post a review directly on the NerdWallet site will not be compensated in any way. Please see our Terms of Use and Posting Guidelines for more information.