Posts: 211
Registered: ‎07-02-2012

Citi divident plat or forward?

i was lloking at citi cards and could not decide which one to app for. I want to have signup bonus and cashback ... 


which one is easy card to get ?

Walmart TU-724 on 12-2012
EX-707 on 08-2012
EQ-668on 08-2012
Wallet - Discover 1500 | Chase Freedom 1500 | OldNavy Visa 2750 | Walmart 2000 | Amex BCE 6000 | BoA Visa Sig 5000 | Chase Marriott 5000 | Amex Hhonor 2000 | CSP 5000
Valued Contributor
Posts: 1,567
Registered: ‎09-15-2012

Re: Citi divident plat or forward?

What are your typical spending patterns? The cards have different high cash back categories. You are already hitting a lot of good cash back categories with your current cards. 

In My Wallet: Amex BCP (12/12) $22.200, Cap1 Quicksilver (6/12) $14,000, Chase CSP (4/14) $12,000, Barclaycard Rewards (5/13) $10,500, Citi Forward (12/12) $9,600, Chase Freedom (12/12) $5,000

Last App: April 2, 2014
Established Contributor
Posts: 650
Registered: ‎12-12-2012

Re: Citi divident plat or forward?

Forward every day of the week, and twice on Sunday.


Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward,
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape
Established Contributor
Posts: 560
Registered: ‎09-29-2012

Re: Citi divident plat or forward?

Between those two I would choose the Dividend

Posts: 130
Registered: ‎11-26-2012

Re: Citi divident plat or forward?

Since you already have two rotating 5% cards I'd go with Forward if you spend money on restaurants at all.

Chase Sapphire Preferred - 5.6k (3/13) | Amex Premier Rewards Gold - NPSL (1/13) | Chase United MileagePlus Explorer Visa Signature - 9k (1/13) | Amex Delta Gold - 6k (9/12) | Citi Forward Visa - 10k (10/12) | Discover It - 2k (2/12) | Chase +1 Visa - $300 (2/11)
Frequent Contributor
Posts: 296
Registered: ‎08-28-2012

Re: Citi divident plat or forward?

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. :smileysad:  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. 

AMEX BCE, Discover IT, Citi Forward, BoA Travel Rewards
FICO: TU 781 EX 776 Last App: November 2012

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
FICO Score - The Score that matters
Click to Verify - This site chose VeriSign SSL for secure e-commerce and confidential communications.
Fair Isaac Corporation is a BBB Accredited Financial Service in San Rafael, CA
FOLLOW US Social Media Facebook Twitter Pinterest Google+