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Citi Forward Discounts, Deals and Coupon Codes

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thelnel52 2,295 2,553 February 12, 2010 at 01:22 PM More Citi Forward Deals
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Last Edited by Schooby March 26, 2015 at 05:34 PM
BALANCE TRANSFER CARDS
Card Name Duration of 0% Fee Cap Link
Virgin America Visa Signature Card 6 months 3% $50 Link [virginamericavisa.com]
Escape by Discover Card 6 months 3% Uncapped Link [creditkarma.com]
Discover More Card 18 months 4% Uncapped Link [creditkarma.com]
Citi Forward Card 12 months 3% Uncapped Link [citicards.com]
HSBC GM Flexible Earnings Card 12 months 3% Uncapped Link [hsbcapply.com]
Barclays Coast to Coast 12 months 3% $75 Link [coastresortscard.com]
Chase Freedom MC 12 months 5% Uncapped Link
Chase Freedom Visa 12 months 5% Uncapped Link
Slate from Chase Visa 15 months 3% Uncapped Link



LOW APR CARDS
Card Name Duration of 0% APR Regular APR Link
Escape by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Miles by Discover Card 6 months 10.99-15.99% variable** Link [creditkarma.com]
Chase Freedom MC 6 months 12.99-22.99% variable** Link
Chase Freedom Visa 6 months 12.99-22.99% variable** Link
TrueEarnings Card from Costco and American Express 6 months 15.24% (prime rate + 11.99%) Link [americanexpress.com]
Citi Forward Card 7 months 12.99-19.99% variable Link [citiforward.com]
Discover Student Card 9 months 12.99-19.99% variable Link [creditkarma.com]
Discover Open Road Card 12 months 11.99-19.99% variable** Link [creditkarma.com]
Capital One Orbitz Visa Platinum 12 months (March 2012) 13.9-19.9% variable Link [capitalone.com]
Citi Platinum Select MasterCard 12 months 11.99-19.99** Link [citicards.com]
Slate from Chase 15 months 11.99-21.99% variable** Link
** APR depends on credit score


HIGH REWARDS

Card Name Rewards Link
Discover Student Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
Citi Forward Card Points redeemable for gift cards; 5 points/dollar for entertainment, 1 point/dollar for other purchases, 6000 points for spending $250 within first 3 months Link [citiforward.com]
AmEx Plum Card 1.5% discount for prompt payment OR 2 months with no interest Link
Discover More Card 5% CB on certain categories (rotates monthly, must manually sign up online); .25% CB on everything else, 1% when you reach $3000 Link [creditkarma.com]
AmEx Blue Card 3% cash back at supermarkets, 2% cash back at gas stations and department stores and 1% cash back on all other eligible purchases Link
Penfed Visa Platinum Cashback Rewards 5% on gas, 1% on everything else; must be Penfed member; second card on list Link [penfed.org]
Associated Bank Visa Signature Rewards Card 1% CB on everything, 1 point per dollar, 3 points per dollar on groceries, gas, drugstores Link [associatedbank.com]

Community Wiki

Last Edited by 1dash1 August 24, 2016 at 03:43 PM
We have created this wiki as a place for users to insert suggestions for new cards, or to request that cards linked in the original thread should be taken down. We will edit the first post AT LEAST every other week, probably much more frequently.

Citibank Double Cash MasterCard - 2% cash back (1% when you buy, 1% when you pay). No caps, no annual fee. Only real snag is that the DO have Foreign Transaction Fees.

NerdWallet has a decent lookup [nerdwallet.com] that lets you choose the type of card and filter by credit rating and features. Worth checking for current info, that's where I saw the above:

icardbonus.com has probably the most complete, although a bit outdated collection of credit card sign-up bonuses, grouped into personal, business, student and travel categories.

The credit card rewards calculator at creditcardtuneup.com will calculate expected annual rewards for your entered spending profile for many cards. It also calculates the best combinations of cards for your spending pattern.

CardHub offers up-to-date summaries of credit card offers:
http://www.cardhub.com/best-credit-card-deals/

Just a note, Discover 5% cash back is on rotating categories, might confuse some...
***9/05/13 Penfed sent notices to change 5% to 3% and add $25 annual fee if not combined with another qualifying penfed product****

A fairly up-to-date list of 0% no-fee cards is available at zeropercentbalance.com [zeropercentbalance.com]

The Penfed Visa Platinum Cashback Rewards card is only .25% on everything else but still is 5% on gas.

The latest version of the Discover It Card has no signup bonus****, but many pluses (review linky [dailymarkets.com]):
o You no longer only get 0.25% on 1st $3K spent as w/regular Discover. It's 1%.
o No annual fee
o And you get a different phone # w/quick access to U.S. agents.


****I just got the Discover It card, and if you know someone that has a discover card, a referral gives $50 to the both parties (referrer and referee). Referrer: After signup. Referee: After 1st purchase within 3 months.
OR: link to get a $75 Amazon Gift Card with first purchase within 3 months. Linky [discovercard.com] --moosepigeon

Chase Sapphire Reserve [link to offer] [chase.com]
- 100K points for $4,000 spend in first 3 months
- $300 travel credit
- $100 application fee credit for Global Entry or TSA Pre?
- Complimentary Priority Pass(TM) Select membership (access to airport lounges)
- $450 annual fee not waived
- Each additional user costs another $75
Reviews of 100K offer:
http://thepointsguy.com/2016/08/c...e-reserve/
http://time.com/money/4461137/cha...edit-card/

1,134 Comments

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Joined Feb 2011
I beat the Kobayashi Maru
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#481
Quote from congee View Post :
Which CC would be best for a college student that requires no co-signer? I'm leaning towards citi because of their virtual cc feature.
Quote from Shellac View Post :
Even other companies have told me that Capitol One is the easiest one to get approved for.

How about getting a secured credit card from Bank of America. That's the first card I got. It has virtual CC. Didn't require a co-signer. And helped me build a VERY good credit score.


Just my 2?...
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Rep unto others as you would have them Rep unto you.nod
Quote :
Yet it is not our part to master all the tides of the world,
but to do what is in us for the succour of those years wherein we are set,
Uprooting the evil in the fields that we know,
So that those who live after may have clean earth to till.
- J.R.R Tolkien.
#482
Does anyone have any experience with Balance Transfer Cards? I'm looking for one even though my interest rate isn't bad right now (under 10%), but on a balance of $7,500. I have fairly good credit, the only bad thing I've ever had is this high balance, other than that everything's been positive (I lost my job and had a period of time I lived off my credit card last year and that adds up very fast with 0 income). Anyways, I'm tired of paying the interest but I don't know where to get a good card or if I'll be able to. I applied for the chase slate because they had an offer where there was 0% fee and while they approved me for the card, it was only for up to 2,500.

Right now my next planned course of action would be to just apply for another card, probably one with 12-18 months 0% APR and a 3% fee. Any advice would be greatly appreciated.
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#483
Quote from Tyler1986 View Post :
Does anyone have any experience with Balance Transfer Cards? I'm looking for one even though my interest rate isn't bad right now (under 10%), but on a balance of $7,500. I have fairly good credit, the only bad thing I've ever had is this high balance, other than that everything's been positive (I lost my job and had a period of time I lived off my credit card last year and that adds up very fast with 0 income). Anyways, I'm tired of paying the interest but I don't know where to get a good card or if I'll be able to. I applied for the chase slate because they had an offer where there was 0% fee and while they approved me for the card, it was only for up to 2,500.

Right now my next planned course of action would be to just apply for another card, probably one with 12-18 months 0% APR and a 3% fee. Any advice would be greatly appreciated.
Discover More has 0% for 15 months right now too
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Joined Jul 2012
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#484
Quote from Shellac View Post :
Even other companies have told me that Capitol One is the easiest one to get approved for. My brother was denied by Chase and I was trying to get advice from banks I bank with where he should go since I knew none of them would approve him since he never had a card. I've had him as an authorized user on my Amex and even though my whole history shows up on his credit report I guess that didn't help(worked when I did it for my mom years ago).
Thanks! I signed up for a Citi student one on Sunday night but I still haven't gotten any responses back...its not looking so good so far.

Quote from the.J129 View Post :
How about getting a secured credit card from Bank of America. That's the first card I got. It has virtual CC. Didn't require a co-signer. And helped me build a VERY good credit score.


Just my 2?...
I'll take a look at it, thanks. I currently have BOA checking and have had them for several years.
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#485
I have been an AMEX Blue Cash cardholder for the last 6 years and am still on the old "5% back on Gas, Groceries, and Drugstores after spending $6500". To maximize my rewards I buy a lot of gift cards at Walgreens. I noticed yesterday that there were some new AMEX gift cards on the rack that could be loaded with up to $500 but included a ~$6 "convenience fee".

5% of $500 is $25, so is it possible to buy $500 and then make $19? Once could then use the card as money or use a product like Paypal or Square to put it back into your bank account.

On another note, my 5% rewards on the AMEX will expire in September and I will have to spend another $6500 to get them back. In the last year I have added a Chase Freedom card and a Penfed Platinum Rewards Card. Chase has the rotating categories and the Penfed will be used strictly for gas, although it does have 3% on groceries. There are no large supermarket chains in my area, so most of my groceries get bought at Wal-Mart, so the grocery cash back is not a huge loss. However, I will dearly miss the 5% at drugstores. Does anyone know of another card that offers the same type of rewards on drugstores?

Thanks!
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Joined Jan 2008
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#486
I have the Amex cash rewards..does Amex allow you to upgrade that card to their Gold one (with annual fee), or do I have to submit a new application?
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#487
Quote from BayArea View Post :
I have the Amex cash rewards..does Amex allow you to upgrade that card to their Gold one (with annual fee), or do I have to submit a new application?
2 totally different products. In my experience, it'll be another hard inquiry.
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Joined Jan 2008
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#488
Quote from InfamousDX View Post :
2 totally different products. In my experience, it'll be another hard inquiry.
Thanks for the response and repped
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#489
Quote from InfamousDX View Post :
2 totally different products. In my experience, it'll be another hard inquiry.
I already have a Costco AMEX card and applied and got the Gold card (have two now) and they didn't do a hard inquiry for me. In fact, I was instantly approved and they carried over my "Member since" date from my Costco AMEX to my Gold card (2006). It's kinda nice and didn't know they did that. Otherwise it would have said "Member since 2011." (if that matters to anyone)

In the end I guess YMMV.
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Joined Nov 2004
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#490
Reddit AMA from a guy at CreditKarma. Very interesting.

http://www.reddit.com/r/tabled/co...g/.compact
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Joined Feb 2011
I beat the Kobayashi Maru
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#491
Quote from tadc View Post :
Reddit AMA from a guy at CreditKarma. Very interesting.

http://www.reddit.com/r/tabled/comments/wu1kh/table_reddit_iama_statistician_thats_been_dealing/.compact

Bookmarked and saved.

And repped! Thanks!
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#492
Quote from geost View Post :
I already have a Costco AMEX card and applied and got the Gold card (have two now) and they didn't do a hard inquiry for me. In fact, I was instantly approved and they carried over my "Member since" date from my Costco AMEX to my Gold card (2006). It's kinda nice and didn't know they did that. Otherwise it would have said "Member since 2011." (if that matters to anyone)

In the end I guess YMMV.
Oh wow that's good that you didn't get another hard inq. As for Member date, Amex always considers you from your first amex product, even if you were just an additional user. I've been an amex "Member Since 1996" when I was 14 and my parents added me to their account. Its nice that amex does this.
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#493
Quote from the.J129 View Post :
Bookmarked and saved.

And repped! Thanks!
NP.

My favorite part:

Quote :
[-]MundiMori 1 point 20 hours ago
Wait, always pay it off in full? I was always told to leave a balance on it so that they know you're able to handle that. Have I been lied to?

[-]CredditKarma[S] 1 point 20 hours ago
You have.
Big Grin
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Joined Feb 2011
I beat the Kobayashi Maru
2,716 Posts
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#494
Quote from tadc View Post :
NP.

My favorite part:
Quote :
[-]MundiMori 1 point 20 hours ago
Wait, always pay it off in full?
I was always told to leave a balance on it so that they know you're able to handle that. Have I been lied to
?

[-]CredditKarma[S] 1 point 20 hours ago
You have
.
Big Grin
Rofl2

The stupid myths that people still believe...Damn. Facepalm
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#495
Looking into this card for, if nothing else, the ability to get 5% back on bill pay. Never had a visa signature and not sure if I will even qualify. Equifax is 741 and all credit in good standing. What are the general guidelines for Visa Signature acceptance? Just trying to see if this is worth my time or if I apply but get sent the non-sig card instead and then stuck with a lame-o.

http://www.usbank.com/credit-card...=cashapply
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