Citi Forward® Card Review

The Citi Forward® Card, issued by Citibank, is for people who want to be rewarded just for doing the right thing. That's because this card rewards cardholders for staying within their credit limit and paying on time.

Cardholders who stay within their credit limit and pay on time will receive 100 bonus points per billing period and a potential reduction of their interest rate. APR reductions occur at a rate of .25% after 3 months in a row of making a purchase, staying within limit, and paying on time. Cardholders are eligible for a total of 8 reductions, for a 2% total reduction.

Bonus points are rewarded for other kind acts. Cardholders get 2,500 bonus points when they sign up for paperless statements within the first 3 months of their account opening, and 6,000 bonus points when they make their first $250 in purchases within the first 3 months.

The Citi Forward® Card also rewards cardholders for purchases. Cardholders receive 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters, and 1 point per dollar spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, music, electronics and more.

This card comes with a 0% intro rate on purchases for 7 months. There is also a 0% APR on balance transfers for 12 months if you qualify. After the introductory period, the variable interest rate is reasonable.

The Citi Forward® Card is ideal for anyone interested in earning reward points quickly and easily with a credit card that also offers a 0% introductory rate.