The Citi Forward® Card rewards cardholders for being financially responsible. Cardholders who pay on time and stay within their credit limit are rewarded with 100 bonus points per billing period and a potential reduction of interest rate! For every three months in a row of making a purchase that cardholders stay within their credit limit and pay on time, they'll receive a reduction of .25% of their interest rate. Cardholders are eligible for eight reductions, up to a total of 2% in reductions!

Cardholders will also receive bonus points in addition to those earned for paying on time and staying within their credit limit. The Citi Forward® Card rewards you with 10,000 bonus points—enough for $100 in gift cards—when you spend at least $650 in your first three months.

The Citi Forward® Card also rewards you for each dollar you charge to the card. Citibank rewards cardholders with 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters; all other purchases will earn you 1 point per dollar. When you've stocked up enough points, you can redeem them through the ThankYou Network for travel, cash, music, merchandise, gift cards, and more.

In this economy, every dollar counts. So the Citi Forward® Card offers cardholders 0% APR for 12 months on Balance Transfers* and 0% APR for 7 months on Purchases* (after 7 months, 12.99% - 22.99% variable). But always remember that it is best to pay your balance in full each month to avoid financial problems in the future.

• $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
• APR reduction on purchases when using credit wisely
• No Annual Fee

If you're interested in earning bonus points quickly and easily, then apply for the Citi Forward® Card today.