Tailored to individuals who spend on entertainment and eating out, the Citi Forward Visa rewards credit card is giving 5X ThankYou points for each $1 spent at book stores, record stores, restaurants, including fast food restaurants, movie theaters, and video entertainment rental stores, and 1X ThankYou Point for each dollar you spend on all the other purchases. Earning rewards points beyond the usual spending is quite feasible using this card- earn up to 75,000 ThankYou Points during any year; receive 1,000 bonus ThankYou Points just by applying for Paperless Statements and 100 bonus ThankYou Points at the end of every billing cycle when you make your payment on time and which you aren’t over your credit limit. Unlike the majority of cards, you can also get up to a 2% purchase APR reduction whenever you make a purchase, stay under your credit limit, and pay on time 3 billing periods consecutively. Redeem points for everything from millions of merchandise choices to travel reweards to cashback.

Key Features:

• $100 in gift cards – When you redeem the 10,000 bonus ThankYou© Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
• 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% – 22.99% variable
• 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
• Want to lower your purchase APR? All you have to do is make a purchase, stay under your credit limit, and pay on time 3 billing periods in a row and we will lower your APR for purchase by up to 2% (0.25% each quarter, 8X maximum)
• No Annual Fee
• Flexible Points Redemption. You can redeem your ThankYou rewards points for merchandise by big-name distributors, stores, outlets; prepaid Visa gift cards; travel rewards for flights, hotels, cars, and travel packages without blackout dates or seat restrictions through the online booking tool; and even cash back, statement credits, student loan rebates, charitable donations and mortgage payments. However, be aware that all ThankYou Points expire 5 years from the end of the month in which they are earned.

If you’re in the marketplace for a credit card that earns you generous rewards when paying for dining and entertainment while enabling you to lower your purchase APR with time for responsible management of your finances, then the Citi Forward Visa card is a great choice. Apply today and let Citi ThankYou for being a valued customer!