I've been looking at the Citi cards lately and it seems as if a lot of ppl on this board like the Forward. After the 0% and balance transfer deals run out, how good is this card? Are the rewards good being it seems you have to spend in certain categories? It looks to me like a rebuilder card, or do I have it all wrong?
Please share what you like about Citi Forward!
Starting Score: 648
I did visit their website and compared my top 3 choices. That's why I came on here to see why ppl liked the Forward because it wasn't one of my choices. 
@clocktick wrote:I did visit their website and compared my top 3 choices. That's why I came on here to see why ppl liked the Forward because it wasn't one of my choices.
Which benefits are you looking for? I use my "Thank You" points to redeem Starbucks gift cards periodically, and the points gets built up pretty fast IMO.
I highly suggest the Forward it's a great card, too bad they came out with it after I applied for the diamond rewards.
CreditKid - the Diamond Rewards was one of the ones I really like! There was another Diamond Reward Cash one that isn't on the site anymore since the Thank You ones came out.
I guess I didn't entirely understand the categories part. If you do not spend in the categories, is there still a flat percentage you get? I think I'm just opposed to categories although I've never tried it. I like all around points or cash for spending on anything.
@andre181 wrote:I love my Forward card. The points do add up really fast. The movies category includes Netflix, the music category includes iTunes, and the bookstore category includes ALL purchases on Amazon.
I did the math once upon a time, and if you redeem your points for statement credits, the bonus categories are 3% cash back, which is pretty good!
The quarterly APR reductions are nice. And Citi seems good with CLI's.
The card is marketed to younger people who are building credit, but IMO its a great prime card that everybody should at least consider.
Thank you That's why I really want to get in with Citi. I use a Chase Amazon card for Amazon purchases, however, I'd definitely put my Netflix on it. How high do the limits go considering it's a rebuilder card?
The APR reductions are nice but don't affect me.
Thank you
@clocktick wrote:CreditKid - the Diamond Rewards was one of the ones I really like! There was another Diamond Reward Cash one that isn't on the site anymore since the Thank You ones came out.
I guess I didn't entirely understand the categories part. If you do not spend in the categories, is there still a flat percentage you get? I think I'm just opposed to categories although I've never tried it. I like all around points or cash for spending on anything.
@andre181 wrote:I love my Forward card. The points do add up really fast. The movies category includes Netflix, the music category includes iTunes, and the bookstore category includes ALL purchases on Amazon.
I did the math once upon a time, and if you redeem your points for statement credits, the bonus categories are 3% cash back, which is pretty good!
The quarterly APR reductions are nice. And Citi seems good with CLI's.
The card is marketed to younger people who are building credit, but IMO its a great prime card that everybody should at least consider.
Thank you That's why I really want to get in with Citi. I use a Chase Amazon card for Amazon purchases, however, I'd definitely put my Netflix on it. How high do the limits go considering it's a rebuilder card?
The APR reductions are nice but don't affect me.
Thank you
Yes, I believe if you don't qualify for those categories then it's 1 point for every dollar. Something like that 