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.
707 Average Credit Score Approved for this Card
651 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
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 "Take Offer" 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

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.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 2,264
Data Created: October 01, 2013

118 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

Great Starter Card

I love the customer service and rewards that this card has. Citi gave me a chance to build my credit when not many would because of my lack of credit history. I was able to get other good cards from Discover and Capital One thanks to how responsibly I've handled this account after about seven months. Definitely get this card first  if you''re a college student. I was able to get 1000 as part of my credit line. Just try to keep your balance below 30 percent of the card and make more than min payment when you use the card.

rseveman1994's response was:    

  Apr 14, 2014

rseveman1994(9, 4)

Review by rseveman1994

9 Contributions 4 People Helped

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)

Review by zylphite

1 Contributions 0 People Helped

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)

Review by aa11285

1 Contributions 0 People Helped

Go for it!

As a college student I needed to start building my credit. I applied for many credit cards, including my primary bank. All of them denied me. 

I have no credit history whatsoever. I was literally denied for all credit cards that I applied for. I'm also under 21 so of course it is quite difficult to obtain a credit card. 

I just applied about two weeks ago and they did not instantly approve me. My application needed further review. A couple days later, I get an email saying I need to send in some documentation such as my bank statement. I sent in a copy of my statement and a week later I got approved for a credit line of $2,000! I will be able to make my payments at the Citibank right down the street from me. 

CitiBank has allowed me to build my credit! Thank you Citibank!

Dec 05, 2013
Love this card Helpful to 1 out of 1 people

I have had this card since 2009. I don't remember any issues with application/approval, although I have never been denied for a credit card (helps that my parents got me one as soon as I was 18 to build credit history..I'm now 30. Also, I have had a citibank bank account since I was 5). I have racked up more points than I can remember in the past 4 years (somewhere in the 100k+ range; 33k this year as of end of october). I use it almost exclusively for restaurants (which for business travel helps greatly), and I take advantage of the thank you network store to double up on points.

Nov 11, 2013

See all 118 Reviews of Citi Forward® Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.