Citi Forward Credit Card (Discontinued)


Citi Forward Card Review

Application Link:

  • This card no longer accepts new applications.


  1. Earn 5 ThankYou Points per $1 spent on dining, bookstore and entertainment, 1 ThankYou Point per $1 spent on other purchases. Unlimited! After 2016.6.4, we can only earn 2x on the previous 5x categories, all Citi Forward cards are affected.
  2. 1 ThankYou Point worth 1 cent in cash back or travel redemption, or 1.25 cent if you have Citi ThankYou Premier Card and redeem for travel including airline tickets, hotel and car rental, or 1.6 cent if you have Citi Prestige Card and redeem for American Airlines tickets (Bank & Credit Card Points Value). So the 5x TYP earning is like 8% rewards! For more information about ThankYou Points (TYP), see Maximize the Credit Card Points Values (overview) and Review of Citi ThankYou Points (TYP) (very detailed).
  3. Amazon purchases qualify for the 5% cash back on book. Note: only items marked as “Sold by Amazon” will qualify for 5% cash back on bookstore.
  4. No annual fee!
  5. For international student version has no foreign transaction fee! If you are not sure whether your card has this benefit, you can ask the customer service representatives.


  1. No sign-up bonus.


This is a great legacy card. If you are lucky to have it before it stops new applications, it’s easy to use it correctly: use it on restaurants and Amazon! By its 5x TYP earning ability and the 1:1.6 redeeming ability from Citi Prestige, it’s so easy to earn a lot of rewards!

Note that Citi issued a credit card that has the same name and same design in late 2013, but only has everything 1x TYP benefit. If you are not sure whether your card can earn 5x TYP on restaurants etc., you can ask the customer service representatives.

Historical Offers Chart:

This card is discontinued in 2013.12.

Application Link:

  • This card no longer accepts new applications.

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