The Citi Forward credit card is a hot new offering from Citi and one that has a slightly different marketing feel compared to your traditional credit cards. Rather than focusing on the cash back and the spending power, Citi Forward is focusing on something everyone should appreciate - being a responsible credit card user. For far too many years we’ve been getting easy credit and using it recklessly. It’s nice to see a company rewarding responsible credit card use.
They will drop your purchase APR by 0.25% every three months if you make a purchase, don’t exceed your credit limit, and make on-time payments. They will keep dropping it ever three months up to 2% total (so 8 times consecutively). That’s a pretty unique program. You shouldn’t be carrying a balance but it’s nice to see them do that anyway.
The signup promotion isn’t much to sneeze at, 6,000 ThankYou points after you make $50 in purchases; but when you couple it with 5,000 ThankYou points for paperless statements and 100 ThankYou points ever billing cycle you stay under your credit limit and pay your bills on time… that’s a solid 12,200 Thankyou points in the first year for not much hassle at all. Throw in 5% ThankYou points at books, movies, music and restaurants with 1% everywhere else, it’s a pretty good offer.
