I'd go with the Forward as well. Like others have pointed out, you already have Discover and the Freedom. The Dividend's categories (well, IMO at least) tend to be overwhelming. This quarter (toy stores, electronics stores, and Macy's) is decent, but next quarter sucks bootyhole. 
The Forward gives you 5x per dollar spent at restaurants AND fast food, bookstores (it counts AMAZON.COM as a bookstore!!!), movies, and music stores. Pretty good categories if you ask me.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.
>> About myFICO
