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Offered by: CitiBank

Citi Forward® Card

  • $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.

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A
7 Months   12 Months  


12.99% – 22.99%*


12.99% – 22.99%*





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

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5%, Min: $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

1. Earn up to 10,000 bonus points after you make $650 in purchases and sign up for paperless statements within the first 3 months.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 474
Data Created: February 02, 2015

64 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

I love this card

This card was the first card I ever applied for and I got in in 2011 as a junior in college with a CL of 2500. Not sure what my score was at the time. Its helped me build my credit and get approved for other cards and I'm currently still building my credit because I have applied for several cards in a short period of time so I'm wating for the hard pulls and new accounts to fall off. I love the ThankYou points and I definitely like how you can redeem the points to get refunds back from certain purchases. I just have one question I know this card has been discountinued and has been replaced with the ThankYou preferred card can we simply convert this card to the thank you preferred without closing it and opening a whole new account? That would be great if so

iceesgreen's response was:    

Jan 21, 2015

iceesgreen(7, 9)

Fantastic Legacy Benefits (KEEP IT!) Helpful to 3 out of 3 people

With no credit history whatsover and no SSN at that point, I was approved for $500 limit as a college freshman toward end of 2012. This card has helped me build my score up to 780 in less than two years, and I now have the Citi Executive AAdvantage, and a couple of other cards from Amex and Barclaycard.

I raised my limit a little bit too cautiously, but am content to leave it at 2.5k for now, since my other cards have higher limits, and I am very selective about when I use my Forward.

This leads me to the key factors behind my 5 star review. 5 thankyou points per dollar spent on dining, entertainment, and books (aka Amazon purchases) means 5% cash back on all these categories, since you can trade thankyou points for gift cards at 1 point per 1 cent, but even better, book flights at airline-published/discount rates at 1 point per 1 cent. Futhermore, I have not seen this anywhere else online, so it may have been a tragetted or lucky special offer, but my card has no foreign transaction fees on this card... very rare for NAF cards! (Can anyone else confirm if this is true for their Forwards?) Restaurants in Paris, here I come.

Finally, the customer service has been hit or miss. I would say 50-50. Some are extremely nice and polite, some are rude and stubborn. I am not sure, but I may favor my communications with the non-native English speaking representatives. By a slight margin, more of them have been attentive to small details.

chrislifestyle's response was:    

Jun 20, 2014
Credit card features

After months of arguing with people in their Purchase Protection department, I have all but given up on this credit card. I've been a loyal customer of Citi for years, and the one time in which I need to use some of their services, I feel incredibly let down.

Background: I had a laptop computer stolen from me, which I had purchased using my Citi Visa card. This purchase protection program (purportedly) covers up to $500 of your purchase cost in this case. The total cost of my computer was just over $800. However, due to the fact that I covered ~$25 of the total cost using rewards points earned from spending *this particular credit card*, I was deemed ineligible to receive reimbursement.

Escalating to various managers on the phone did nothing to further my case, and they seemed unconcerned with my incredible frustration. Although this is my longest standing credit card, I'm very close to canceling it due in part to my inability to utilize advertised services because of a small technicality.  They were not even able to offer any perks outside of reimbursement, such as extra rewards points.

This issue combined with a stingy credit card limit (despite a large increase in income and excellent credit card history) leads to a unfavorable review of this card.

zylphite's response was:    

Apr 02, 2014

zylphite(1, 0)

Beware international students


CK 714 

+2 years US stay

+1 year credit history

They have a paper-based application just for international students that you just cannot get related information online. I went with the online application and got denied because "my permanant address is outside US" even though all info I provided are within US.

The first customer service I called told me I need to visit a branch and "verify my student status", which turned out to be a nonexistent procedure.

The branch guy and the second customer service we called at the branch told us that there is a different application for international students that go by paper and may not need SSN. The previous application will leave a hard inquiry on my credit history, and there is nothing they could do.

I never had such problems with Chae, Capital One, Discover, American Express and a couple of low CL store cards. The worst part is that I could not get any information online, even the guy at the branch had to call someone about my situation. And why do I even want a student card... the experience was so traumatic...

aa11285's response was:    

Mar 01, 2014

aa11285(1, 0)

See all 64 Reviews of Citi Forward® Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.