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


  • Rewards rate


  • 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


  • Foreign transaction fee


Recommended credit score

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NerdWallet review

By Tim Chen

Rating details


Editor's overall rating

Pros and cons

  • No annual fee

  • 0% if you qualify for 12 months*


    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

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