Citi Forward Credit Cards

Citigroup has a wide array of credit cards for you to choose from and the Citi Forward credit card line is an excellent choice. Citi Forward is a line of reward credit cards. With so many reward cards available there is really no reason to go without earning rewards with your credit card spending.

Citi's Forward credit cards come with the ability to earn Citi ThankYou reward points. The ThankYou reward points is one of the most robust reward programs available at any credit card company. The number of options you can use to redeem your points is impressive. Your ThankYou reward points can be used for physical merchandise ranging from electronics to tools to luggage or for gift cards or music downloads. You aren't stuck with a single category of rewards like travel rewards cards.

Citi Forward Credit Card

Want to earn credit card rewards without having to pay an annual fee for the perks? The Citi Forward credit card is a great option. You will never pay an annual fee to earn ThankYou reward points. You will earn 5 ThankYou points for every dollar spent on the credit card at restaurants and on entertainment. Other spending also earns 1 point for every dollar spent. You can also earn 1,200 ThankYou points simply for paying on time and staying under your credit limit. Additionally, if you sign up for paperless statements Citi will give you 1,000 points. If you spend $600 total in the first three months of having the card, Citi gives you an additional 5,000 ThankYou points.

The Citi Forward card also comes with a unique benefit in regards to your interest rate. Every quarter if you stay under your credit limit and pay your bill on time, Citi will lower your interest rate by 0.25%. The company will reduce your APR up to 2% over a 2 year period simply for paying on time and not going over your credit limit.

Citi Forward Card for College Students

As a college student building your credit history is a great thing to do, but it can be extremely challenging to get a chance to build up a credit history. With the Citi Forward Student credit card you will not need a co-signer to build up your credit. On top of giving you a chance to have a credit card, you will be able to earn rewards on all of your spending on the card all without having to pay an annual fee for that perk.

With the Citi Forward Student card you will earn 5 points for every dollar spent at restaurants (sit down and fast food), books, music, and movies. Plus you will get 1 point for every dollar spent on all of your other purchases. No matter where you are spending money, you will earn a reward point. You will also earn 1,200 bonus ThankYou reward points ny simply paying your bill on time and staying under your credit limit for 12 months. Those ThankYou points can be redeemed at Citi's ThankYou rewards redemption website. Additionally Citi will drop your interest rate by 2% over 2 years by paying your card on time and not going over your credit limit. The math works out to a 0.25% reduction for every quarter you accomplish this simple task. (Setting up automatic payments will help you succeed here.) Dropping your interest rate by 2% will save you thousands in interest on your balance.

Benefits of Citi Credit Cards

There are some great perks to using a Citi credit card, including:

Absolutely zero liability for fraudulent charges.
Car rental insurance when you use your credit card to reserve and pay for the rental charges.
Manufacturer warranty extensions. If you buy something with a warranty of one year or less, Citi will give you an additional year of warranty for free.
Virtual account numbers so you never have to give out your actual credit card number to an online merchant. Citi will create a virtual, temporary use credit card number for you.
Anything you buy is protected from theft, damage, and fire loss for the first 90 days of ownership. (This benefit has a limit of $500.)
24/7 customer service. If your credit card company doesn't offer this, you should switch immediately.