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New Contributor
Posts: 55
Registered: ‎06-27-2012
0

Sign Up Offers

I'm currently in the garden for now, but I am planning to step out in a month or two to add a couple of cards. I am interested in the Citi Forward card because I eat out on a daily basis and could rack up some nice points. The latest sign up bonus I have seen is $100 for a $650 spend. Its not a bad deal, but I received $300 back on a $500 spend for my Freedom card last November.

 

Is anyone familiar with any of the offers that different creditors may have on the horizon? Are there any creditors who usually offer substantial variations in sign up bonuses during the end of the year?

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Valued Contributor
Posts: 1,367
Registered: ‎04-20-2012
0

Re: Sign Up Offers

Has Citi offered any targeted offers for Forward card in the past?

TU FICO: 800 (2/1/14) | CK Score: 802 (2/1/14) | CS Score: 805 (2/1/14)

J.P. Morgan Palladium ($250k) | AmEx Platinum (NPSL) | AmEx SPG Personal/Business ($50k/$50k) | Citi Executive AAdvantage WEMC ($50k) | Citi Dividend WEMC ($50k) | Chase Sapphire Preferred VS ($50k) | Chase Ink Bold WEMC ($50k Flex) | Chase Ink Plus WEMC ($25k) | Chase Freedom VS ($25k) | Chase Freedom WMC ($25k) | Chase MileagePlus Explorer ($25k) | Chase Southwest RR Plus Business/Personal ($15k/$15k) | Barclays US Airways ($25k) | Barclays Hawaiian Airlines ($25k) | BofA Alaska Airlines ($10k) | Lexus Financial Services ($30k) | Mercedes-Benz Financial Services ($50k)
Valued Contributor
Posts: 2,110
Registered: ‎12-29-2011
0

Re: Sign Up Offers

I wouldn't waste an HP on Citi Forward. They seem to be denying everyone lately.

The truth is out there...
FICO scores: 764 (EQ) 732 (EX) 757 (TU) 9/14 | Goal score: 750+ (all 3)
Tradelines: Capital One QS NPSL (5.0k) | Discover IT (6.0k) | Walmart Mastercard (5.0k) | Chase Freedom NPSL (7.3k) | Citi Simplicity (9.3k)






Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Sign Up Offers

I would wait for the holidays.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
New Contributor
Posts: 55
Registered: ‎06-27-2012
0

Re: Sign Up Offers

I have not received any personally. The reason it appeals so much is that I eat out very often and the thank you points can be used as a credit on my student loans. I looked at the upromise card but the biggest benefit of that card is the online shopping. Chase and Discover offer better deals in my opinion for many of the things I buy online.

Was just wondering if I should pull the trigger now or garden a little longer in case a better offer comes along. I've never dealt with Citi and was unsure if they may have a better sign up offer near the end of the year.
AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Established Contributor
Posts: 825
Registered: ‎12-28-2011
0

Re: Sign Up Offers

Citi Forward is great for those who eat out often and shop on Amazon (counts as a bookstore). I have not seen an offer higher than $100 but the long term rewards on the card outweigh its modest sign up bonus. My only gripe with Citi is that they have been slowly lowering the value of ThankYou points. As of this month, rewards in bonus categories are roughly 2.5% cash back (statement credit), 4.2% (Amazon gift card), and 5% (student loan credits). The student loan credits are not easy to redeem since you have to do it over the phone. I used to get statement credits when it was closer to 3.3% but now opt for Amazon gift cards.

New Contributor
Posts: 55
Registered: ‎06-27-2012
0

Re: Sign Up Offers


dyv8914 wrote:

Citi Forward is great for those who eat out often and shop on Amazon (counts as a bookstore). I have not seen an offer higher than $100 but the long term rewards on the card outweigh its modest sign up bonus. My only gripe with Citi is that they have been slowly lowering the value of ThankYou points. As of this month, rewards in bonus categories are roughly 2.5% cash back (statement credit), 4.2% (Amazon gift card), and 5% (student loan credits). The student loan credits are not easy to redeem since you have to do it over the phone. I used to get statement credits when it was closer to 3.3% but now opt for Amazon gift cards.


Truthfully, Citi was not on my radar at all. I heard that their Thank You points were not very valuable and I already have a set of cash back cards. But since the quarters have changed on Freedom purchases, I am not getting 5% on any restaurant visits. The Forward card kept coming up when I looked around, and after learning about the student loan credit it is looking like a better opportunity than anything else out there for me.

 

Another posted said you give Citi the account number and they send the check directly to the student loan company. Is it more complicated than that? I sure hope not. I'm definitely looking Forward to having my large appetite help reduce my student loan debt. Smiley Happy

AMEX BCE $18,000 Citi Forward $6500 USAA $6000
Chase Freedom $2500 Discover It $4000
M & T Visa $2500 CU Visa $2500 Walmart $2200
Established Contributor
Posts: 792
Registered: ‎08-30-2011
0

Re: Sign Up Offers

In my opinion I would app for the citi card with the best sign up bonus, then PC to the Forward or dividend card down the road.  That is if citi allows one to PC like Chase does.  Chase still wont PC my Amazon card though.

Amex BCP/BC/Zync - Amex Business GR - Barclays NFL Visa Sig 49ers/Arrival - BoA BBR - Cap 1 Quicksilver - Citi Forward/Preferred - Chase Amazon/Freedom/Ink Plus - Discover IT - Fidelity Amex - GECRB Amazon/Walmart - PenFed PRV - Target - USAA Amex - US Bank CASH+/Club Carlson
Established Contributor
Posts: 560
Registered: ‎09-29-2012
0

Re: Sign Up Offers


flowfaster wrote:

I would wait for the holidays.


why the holidays?  Is this the historically most generous time of the year for sign up bounes?

Valued Contributor
Posts: 1,987
Registered: ‎06-25-2012
0

Re: Sign Up Offers

i have the foward and the rewards are meh...if you spend 650 in 3 weeks and sign up for online statements you get 10k points but thats only worth 50 in cash money or statement credit. i eat out every single day and lately being only making around 2000-2200 points monthly. not that great to be honest.

Amex BCE (2500) / Amex SPG (4000) / Amex GoldPR / Merrill+ Visa siggy (5000) / BofA Amex (6000) / Bofa cash rewards (5000) / BofA Privileges Cash Rewards (5000) / Citi Forward (4400) / Citi DP (2000) / Chase Freedom (4000) / Chase CSP (5000) / Chase Hyatt (5000) / Discover IT (1700) / FNBO AMEX (3600) / NFCU cashRewards Visa signature (15000) / NFCU Flagship Visa signature (12500) / NFCU Navcheck (5000) / Nordstrom (500) / MetroCU Visa Elite (5000) / Walmart (4500) / Kays Jewerels (6600) / Kohls (300) / Macys Platinum (2500) / DCU platinum Visa (17500) / Citizens bank cash back (1100) / Bill Me Later (1631) / PayPal Smart connect (2200) / BestBuy store card (2000)

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