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Citi Forward vs. Thank You

Frequent Contributor

Citi Forward vs. Thank You

What the differences?  I tried googling but I kept getting links about the preferred cards.  Is there a big difference between the basic plain jane versions?

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 1 of 5
4 REPLIES
Super Contributor

Re: Citi Forward vs. Thank You

Forward is 5 points on restaurants and entertainment, plus 1,200 every year for on time payments, and citi thank you is 1% on everything plus an aniversary bonus. 1% bonus the first year, 2% the 2nd year, and 3% bonus from there on. 

 

I assume the higher thank you level you go (premier, prestige, super duper thank you and so on) the rewards get better. 

Message 2 of 5
Valued Contributor

Re: Citi Forward vs. Thank You

Googling should have already told you the difference, very big difference.

 

Forward:

5 TY points per dollar spent on book store, restaurant, and entertainment. 1 TY point per dollar spent otherwise.

 

ThankYou:

1 TY point per dollar spent on all purchases.

3% annual bonus on amount of TY points earned when your card is two years old (2% for one and 1% for less than one).

 

Forward has better extended warranty and cell phone protection (only covers less than $50 of phone's total value).

ThankYou Preferred gets you concierge service and NPSL. Basic ThankYou card is a barebone CC.

Message 3 of 5
Frequent Contributor

Re: Citi Forward vs. Thank You

Edited for typo's

 

Thanks it seemed like every link I followed was only for the upper cards not the plain ones.  So the forward would be the better card to get. 

01/06/2015 Walmart TU 726
01/06/2015MyFico EQ 705
01/10/2014 USAA FAKO EX 728, EQ 728, TU 728
Discover It $1700, USAA Cash Rewards AMEX $11K, USAA Rewards Platinum MC $12K, CareCredit $13.2K, Chase Freedom $5000, Walmart $4500, Lowes $9800, QVC $1200, HSN $2350, Macys Red Star Store $2900, Paypal smart connect $4022, VS Angelcard $1200, Amazon Store $2500, BCE $4K, Sam's Club Discover $8500, Home Depot $7200, FNBO AMEX $7800
Message 4 of 5
Established Contributor

Re: Citi Forward vs. Thank You


jsucool76 wrote:

Forward is 5 points on restaurants and entertainment, plus 1,200 every year for on time payments, and citi thank you is 1% on everything plus an aniversary bonus. 1% bonus the first year, 2% the 2nd year, and 3% bonus from there on. 

 

I assume the higher thank you level you go (premier, prestige, super duper thank you and so on) the rewards get better. 


I want that one lol. Seriosuly though, i like both cards and they both have their own set of rewards system. Before long im sure ill have both lol



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