Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

Citi Forward® Card

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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

Compare to other cards

Citibank Forward(R)  Credit Card

Citi Forward® Card

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
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Annual fee

$0*

Annual fee

$99

Annual fee

$199

Regular APR

13.74% - 23.74% Variable

Regular APR

21.24%, 25.24%, or 29.99%, Variable APR

Rates & Fees

Regular APR

See Terms

Intro APR

0% if you qualify for 7 months*

Intro APR

0% intro APR for 15 months on balance transfers made within 45 days of account opening. After that, a variable APR will apply, 21.24%, 25.24%, or 29.99%.

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Tim Chen

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.