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Citi Forward® Card

Offered by: CitiBank

81 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	7 Months
Balance Transfer Intro Rate	0%
Balance Transfer Intro Period	12 months
Regular APR	12.99%-19.99% (V)
Balance Transfer Rate	12.99%-19.99% (V)
Cash Advance Rate	25.24%
Annual Fee	None
Late Fee	See Terms
Cash Advance Fee	5.00%, Min: $10
Balance Transfer Fee	4.00%, Min: $5

Citi Forward® Card features:

Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
5 ThankYou points for every $1 you spend on restaurants and entertainment. 1 reward point for every $1 you spend on other purchases.
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row.
No Annual Fee.
100 ThankYou Points each billing period that you pay on time and stay under your credit line
APR reduction on purchases when using credit wisely
0% APR for 7 months on purchases
0% APR for 12 months on balance transfers.

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

81 Total Comments

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692 - 100% ontime payments, was declined due to lack of other Credit Cards. If I had too many credit cards, would I really want another?

dsydow 1 year ago

I have this card. They gave me a very generous $5000 limit even though I had no income, and I'm now up to $6200. They'll not only be good with rewards, they'll be good to your credit if you earn it.

jhtrico1850 10 months ago

When you applied for the card what was your ck score.

stupiddog 9 months ago

did you actually write down that you had no income on the application?? or did you tell them you were a student (and if so, did you have to prove it with a transcript/class schedule)? how long ago were you approved for this card? 2008? early 2009? a couple months ago?

annoneil01 9 months ago

After talking to multiple custom service representatives on both the phone and citicards.com's live chat feature, I've come to the following conclusions:

1. According to representatives, the Citi Forward card is the best card for a college student with a very limited credit history.

2. To get this card, they really want to see at least 2 open lines of credit in good standing for at least six months.

While I can see why they would want you to have experience with credit before getting their card, how can they rightfully say that the card is geared towards college students and those without a credit history if they want you to have at least two other cards? More importantly, how is a college student with limited credit supposed to have two cards and still plan to get a third?

GamingG 9 months ago

gamingG, those are great questions you ask. wish a csr was here to answer them for the company.

annoneil01 9 months ago

Credit score 677, 100% ontime with a few open (long standing) credit accounts. Received the "Needs more processing" message, which means sorry no card for you.

Turaze 9 months ago

Several people have reported approval with that message. Often if it is a decline, they will notify you as such.

CK Moderator

702 score, 100% ontime, got the "Needs more processing, etc." message.

mikedossett 9 months ago

Did you get APPROVE?

geminibug 1 month ago

I was approved for a $3,600 limit. My score was 622 when I applied.

julzc 9 months ago

What rewards are available? Is it cash as in one point per penny?

nebb39 9 months ago

Approved immediately for $3600 with a 686. So far so good.

kwdavidson 9 months ago

674 score, $ 600 dollars in revolving balances, 18/18 payments on time and way over minimum. Declined.

mmobed 9 months ago

I got the card after only 6 months of credit history. $1000 limit 12.24% rate for me at the beginning.

jventura051 9 months ago

Comment On This Offer

Credit Score Approval Data

Ideal for those with Fair Credit:

698

AVERAGE Credit Score Approved for this Card

657

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.