When to use Citi Forward/Quicksilver

[gh17]

If it's truly not getting you any extra points, then there's no rewards benefit to using it ever.  I would stop using it except maybe once every six months or so for a small purchase to keep the card open.

[aaronj91]

Update

And the verdict is.............. It's not useless after all.

Just did an online chat and they confirmed I still had the 5x for resturants

Thanks everyone for their suggestions!

[longtimelurker]

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@aaronj91 wrote:

Update

And the verdict is.............. It's not useless after all.

Just did an online chat and they confirmed I still had the 5x for resturants

Thanks everyone for their suggestions!

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Goes from being useless to being VERY VERY good!  5x on entertainment, including Amazon purchases and all dining.

[dearppl]

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@aaronj91 wrote:

Update

And the verdict is.............. It's not useless after all.

Just did an online chat and they confirmed I still had the 5x for resturants

Thanks everyone for their suggestions!

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In that case, use Forward for all the restaurant spending. Then redeem the points for student loan rebate/cash to your bank account to get the full 5%.