LowCards seen on...
RSS Feeds
  • Home
  • About Us
  • Press Room
  • FAQ
  • Forums
  • Contact Us
  • Privacy Policy

Citi Forward(SM) Card

Credit Card Name Apply Now

Most Attractive: Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points

Least Attractive: Minimum cap APR for cash advances

Specifics

  • Introductory Rate: 0% APR for 6 Months
  • Applied Towards: Purchases, Balance Transfers
  • APR (Purchases)**: 14.24%V The APR for purchases is based on the Prime Rate.
  • APR (Cash Advances): 21.99%V There is a minimum APR on cash advances. The APR for cash advances is based on the Prime Rate.
  • Finance Configuration: Average Daily Balance (including new purchases)
  • Annual Fee: None
  • Additional Cardholders: $0
  • Grace Period: 20 Days (Min.)
  • Minimum Credit Limit: n/a
  • Maximum Credit Limit: n/a
  • Late Payment Fee: $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
  • Over-The-Limit Fee: $39
  • Cash Advance Fee: 3% of each cash advance; $5 minimum
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum

Reward Program Details

  • Points per Dollar: 1 Point
  • Additional Points: 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. 6,000 bonus points after first $250 in purchases made within the first 3 months of account opening; 5,000 bonus points when you sign up for paperless statements.
  • Point Details: Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases.
  • Expiration: Points expire 5 years from the end of the month in which they are earned, unless the Thank You Network is terminated before that time. (Account inactivity for more than 36 months could result in the forfeiture of some or all of the Cashback Bonus.)
  • Yearly Limit: 75,000, not including bonus points.

Review

Rewards cardholders for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 5,000 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month. Last Modified Date: 10/8/2009 12:00:00 AM

Additional Perks

See website for additional benefits.
.

Important Notations

See website for complete terms and conditions of card usage and application disclosure.

**See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Apply Online
  • Search by Type of Card

    • Low Interest Credit Cards
    • Low Intro Rate Cards
    • Balance Transfer Cards
    • Airline Credit Cards
    • Cash Back Credit Cards
    • Other Reward Cards
      • Auto
      • Finance
      • Gas
      • Home Improvement
      • Hotel / Travel
      • Points
      • Retail
    • Student Credit Cards
    • Prepaid & Debit Cards
    • No Annual Fee Cards
    • Canadian Credit Cards
    • LowCards.com en EspaƱol
  • Search by Credit Quality

    • Excellent Credit
    • Good Credit
    • Fair Credit
    • Bad Credit
    • No Credit / New Credit
  • Search by Issuer

    • American Express
    • Capital One
    • Citi
    • Discover
    • MasterCard
    • Visa
  • Latest Credit Card News

    • Bleak Holiday for Credit Card Issuers? 11/18/2009 5:24:00 PM
    • Fed Survey Confirms Credit Card Issuers Raising Rates and Cutting Limits 11/11/2009 8:37:00 AM
    • Tips for Buying and Using Gift Cards 11/5/2009 1:57:00 PM
    • New Credit Card Study Shows Harmful Credit Card Practices Continue 10/28/2009 2:28:00 PM
    • Dodd Proposes a Freeze on Credit Card Rates 10/26/2009 9:50:00 PM
    • New Consumer Financial Protection Agency Approved by House Committee 10/22/2009 3:41:00 PM
    • Startling Practices of Credit Card Issuers Continue 10/21/2009 3:15:00 PM
    • Latest Credit Card Numbers Show Recovery May Be Slow 10/20/2009 9:14:00 PM
    • Fed Requires New Disclosures in Monthly Credit Card Statements 10/19/2009 2:07:00 PM
    • More Concerning Data for Credit Card Issuers 10/8/2009 5:01:00 PM
  • Dummies Guide
    To Credit
  • Free Monthly
    Savings Newsletter