Citi Forward® Card issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Citi Forward® Card, issued by Citibank, is for people who want to be rewarded just for doing the right thing. That\'s because this card rewards cardholders for staying within their credit limit and paying on time. Cardholders who stay within their credit limit and pay on time will receive 100 bonus points per billing period and a potential reduction of their interest rate. APR reductions occur at a rate of .25% after 3 months in a row of making a purchase, staying within limit, and paying on time. Cardholders are eligible for a total of 8 reductions, for a 2% total reduction. Bonus points are rewarded for other kind acts. Cardholders get 2,500 bonus points when they sign up for paperless statements within the first 3 months of their account opening, and 6,000 bonus points when they make their first $250 in purchases within the first 3 months. The Citi Forward® Card also rewards cardholders for purchases. Cardholders receive 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters, and 1 point per dollar spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, music, electronics and more. This card comes with a 0% intro rate on purchases and balance transfers for the first 7 months. After the introductory period, the variable interest rate is reasonable for a student credit card. The Citi Forward® Card is ideal for anyone interested in earning reward points quickly and easily with a credit card that also offers a 0% introductory rate. Most Attractive Feature: Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points Least Attractive Feature: The APR for cash advances is on the high side. Apply Now For Citi Forward® Card Note: The review of this Citibank card was updated on 02/22/2010 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for 7 Months
Applied Towards:	Purchases, Balance Transfers
Details:	Introductory rate is available on purchases and balance transfers.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum)
Purchases APR:	14.24% Variable
Cash Advance APR:	25.24%
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
Over-the-Limit Fee:	$39
Cash Advance Fee:	3% of each cash advance; $5 minimum
Balance Transfers:	3% of each balance transfer; $5 minimum

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. 6,000 bonus points after first $250 in purchases made within the first 3 months of account opening; 2,500 bonus points when you sign up for paperless statements.
	Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases.
Expiration:	Points expire 5 years from the end of the month in which they are earned, unless the Thank You Network is terminated before that time.
Yearly Limit:	75,000, not including bonus points.
First Purchase Bonus:	6,000 Points
Other Bonus:	2,500 Points
	6,000 bonus points after your first $250 in purchases made within 3 months of opening the account. 2,500 bonus points when you sign up for paperless statements within 5 months of opening account.

Additional Highlights of Interest

Special Card Benefits and Features See website for additional benefits. Important Notes Regarding This Offer See website for complete terms and conditions of card usage and application disclosure.