$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
10,000 bonus ThankYou® Points after $650 in purchases & paperless statement sign-up in the first 3 months.
0% if you qualify for 7 months*
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
Not sure which card is best for you?
By Tim Chen
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.
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