Citi Forward® Card

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Offered by: CitiBank


Purchase Intro Rate 0%
Purchase Intro Period 7 Months
Balance Transfer Intro Rate 0%
Balance Transfer Intro Period 12 Months
Regular APR 12.99% - 22.99%* (Variable)
Balance Transfer Rate 12.99% - 22.99%* (Variable)
Cash Advance Rate 25.24%
Annual Fee $0
Late Fee Up to $35
Cash Advance Fee 5%, Min: $10
Balance Transfer Fee 3%, Min: $5

Citi Forward® Card features:

  • $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
  • Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% “(0.25% each quarter, 8X maximum)
  • No Annual Fee.

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" button, you can review the credit card terms and conditions on the provider's website.

These savings are calculated using national averages. Log in to see your own savings!

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

 

Year 1

Year 2

Year 3

Balance Transfer Cost info Fees charged by the credit card company to transfer balances. Usually charged as a percent of the balance transfer amount.

-$527

$0

$0

Interest Savings on Transferred Balance info Difference between the interest charged on your existing credit card(s) and the interest charged on this card with the same balance.

$614

$0

$0

Interest Savings on New Purchases info Difference between the interest charged for new purchases on your existing credit card(s) and the interest charged on this card.

$2,746

$3,920

$5,407

Value of Rewards on New Purchases info Difference between the rewards (normalized to dollar amounts) from the purchases on your existing credit card(s) and this card.

$511

$511

$511

Value of Bonus Points info Bonuses provided by the card for either application or usage. Bonus in the form of either miles or points are converted to dollar amounts.

$110

$0

$0

Annual & Application Fees info Sum of the fixed fees associated with the card. The fees are charged regardless of card usage.

$0

$0

$0
 
Savings:
Total Annual Savings

$3,455

$4,430

$5,917
Total Savings over 3 Years

$13,803

Calculations are estimated based on your credit card usage combined with offer data and are for illustration purposes only.

1. 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.

Reviews

Most Recent Reviews

CK score 735, Experian 715. got instant approval with $5000. 6yr credit history with no negative activities except high balances(80% utilization).

Anonymous 2 days ago

I have a CK of 689 and got approved instantly for $4k.  Pretty quick and painless.

gabrielloewen 3 weeks ago

tried for 30 min. to apply for this card. Whar a joke. I wanted to trabsfer some other cqards to this one. It just kept asking for SSN and i kept entering it. Oh well.

CaptainMorgan 1 month ago

Got approve with a CK score of 642 for a $10K limit. I have a BK discharged in 2006 and only 4 other credit cards now all with limits under $1500. I make $40K a year and I am 25.

Anonymous 1 month ago

After 2 days I received a notice... Denied! Reason is 0 revolving accounts with 0 balance. Immediately called to speak with a representative. I have 3 revolving accounts with 100% on time payments which I pay in full every month. The reason why I wasn't approved... Rep. said, I have 0 balance on my account. What I learned from all this... You must have some sort of balance on a revolving account in order to get approved for this card. My credit score: Experian 714, Equifax 728, Trans Union 714, & Credit Karma 710. This card pulls Experian. I checked my credit score right after I was denied.

Anonymous 1 month ago

See all 115 Reviews of Citi Forward® Card

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Credit Score Approval Data

Ideal for those with Good Credit:

703

AVERAGE Credit Score Approved for this Card

634

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these Credit Karma 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.

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