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Citi Forward Discounts, Deals and Coupon Codes

Credit Card Thread

thelnel52 2,293 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 buzzy October 21, 2014 at 12:17 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.

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]):
• You no longer only get 0.25% on 1st $3K spent as w/regular Discover. It's 1%.
• No annual fee
• 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

1,133 Comments

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#526
Quote from cmorris1441 View Post :
I work as a contractor for an IT company. My work is being delayed and I don't have the money to pay my bill in full this month. I have a balance on a Discover card and I just opened a Citi Forward card and was approved a week ago.

I have never missed paying off a balance in full and I would like that to continue. I was thinking about doing a balance transfer onto the Citi so the bill wouldn't be due until my first payment date, October 28th. By then I will have the money, but I was wondering: is there anyway this balance transfer could negatively impact my credit score? Also, the only fee would be Citi's 3% balance transfer fee, right? I think I'm in an introductory 0% APR period, but I d be able to pay it off before my first statement is due, 10/28, anyways.

The reason my first statement isn't due until 10/28 is that I opened the account at the end of August they set statement close dates for the 10th of each month, I called in and changed it to the 28h to correspond with my other bills.



Also, could the balance transfer cover the $650 in purchases?
Balance transfers generally don't apply to purchase requirements on most cards.

If you are going to payoff the credit card at the end of the next month, paying the 3% balance transfer fee is probably going to be more expensive than making a minimum payment this month, pay original card interest then paying it off the next month. Unless of course you cannot afford the minimum payment.
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#527
Quote from bta15 View Post :
If you are going to payoff the credit card at the end of the next month, paying the 3% balance transfer fee is probably going to be more expensive than making a minimum payment this month, pay original card interest then paying it off the next month. Unless of course you cannot afford the minimum payment.
Well I'm out of the introductory period on the Discover, have had if for about 18 months, so wouldn't I have some sort of % fee even if I make the minimum payment? I've always paid the full balance and only got a credit card to build up credit, so I don't know much about this.

The balance is a little over $600, so the fee would be about $18 for the transfer. Saving money would be great, but $18 doesn't matter to me if it's going to stop any negative effect on my credit, which may cost me more down the line.

So basically, I want to do the cheapest thing that has no negative effect on my credit.
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#528
Quote from cmorris1441 View Post :
Well I'm out of the introductory period on the Discover, have had if for about 18 months, so wouldn't I have some sort of % fee even if I make the minimum payment? I've always paid the full balance and only got a credit card to build up credit, so I don't know much about this.

The balance is a little over $600, so the fee would be about $18 for the transfer. Saving money would be great, but $18 doesn't matter to me if it's going to stop any negative effect on my credit, which may cost me more down the line.

So basically, I want to do the cheapest thing that has no negative effect on my credit.
So lets say minimum payment is $15, your balance is $585. I'll estimate your APR is 18%. Thats roughly 1.5 or 2% monthly interest a month. You have to pay 3% just to balance transfer. Not paying off the original cc in full will not hurt your credit score, doing a balance transfer might.

I agree its a good idea to do the balance transfer if you are not planning to payoff debt in full next month as new cc might have 0% for 12 months on balance transfer or something like that.
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#529
If I were on that situation, I'd use amazon payments to roll that 600 bucks another month out and promptly cut up the card. Sounds like you just need a bit more time.
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#530
Quote from vaultaddict View Post :
If I were on that situation, I'd use amazon payments to roll that 600 bucks another month out and promptly cut up the card. Sounds like you just need a bit more time.
Yeah, I'll have the money within a week and a half of the due date. I'll take a look at Amazon payments. I hadn't thought of doing that, but I know what you're saying. Would that $650 for the Citi rewards work if I did that too?

Also, why cut up the card? It's my first card and the Citi is only my second. So my account ages are young and score improves with age and quantity of accounts, to a degree.
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#531
Quote from cmorris1441 View Post :
Yeah, I'll have the money within a week and a half of the due date. I'll take a look at Amazon payments. I hadn't thought of doing that, but I know what you're saying. Would that $650 for the Citi rewards work if I did that too?

Also, why cut up the card? It's my first card and the Citi is only my second. So my account ages are young and score improves with age and quantity of accounts, to a degree.
Yes. Will work for the city spend. Cut up the card so you don't use it for a while. Keep the acct open.

Call em in 6 months and get a replacement card.

Then only spend what you have money in the bank to pay for.
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#532
Quote from vaultaddict View Post :
Yes. Will work for the city spend. Cut up the card so you don't use it for a while. Keep the acct open.

Call em in 6 months and get a replacement card.

Then only spend what you have money in the bank to pay for.
Alright, thanks for the help, I really appreciate. It's great too that will work with Citi because I wasn't sure I would put that much on it in the 3 months the deal applies to.

Thank you bta15 too.

repped you both, but I'm not sure if I have enough for it to do anything.
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#533
Quote from cmorris1441 View Post :
Alright, thanks for the help, I really appreciate. It's great too that will work with Citi because I wasn't sure I would put that much on it in the 3 months the deal applies to.

Thank you bta15 too.

repped you both, but I'm not sure if I have enough for it to do anything.
I'm not all that familiar with this amazon payments method you guys are talking about.

I assume you use amazon to send urself money off ur credit card. That way you clear your bonus, don't get charged interest, and don't have to pay balance transfer fee?

Then with the money you send yourself on amazon you use that to pay off original cc?

The credit cards don't code amazon payments as a cash advance?

Sounds like a good idea...
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#534
Quote from bta15 View Post :
I'm not all that familiar with this amazon payments method you guys are talking about.

I assume you use amazon to send urself money off ur credit card. That way you clear your bonus, don't get charged interest, and don't have to pay balance transfer fee?

Then with the money you send yourself on amazon you use that to pay off original cc?

The credit cards don't code amazon payments as a cash advance?

Sounds like a good idea...
payments.amazon.com

You basically got it, except you can't send *yourself* money (wink wink etc).

Amazon eats the transaction fee for you (nice of them, of course I'm sure they've negotiated a great rate with all their volume). $1000/mo limit.
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#535
Quote from tadc View Post :
payments.amazon.com

You basically got it, except you can't send *yourself* money (wink wink etc).

Amazon eats the transaction fee for you (nice of them, of course I'm sure they've negotiated a great rate with all their volume). $1000/mo limit.


Boy, am I glad I found this thread! I had no idea this existed!! Thanks!
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#536
FYI, the Barclays Coast to Coast card does not have a limit on the BT fees. Same is true of the Virgin America card. It's getting harder and harder to find ones that do.

Slate Blueprint from Chase looks like the only one that waives the fee if you request a BT when you apply. Good deal, that.
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Last edited by flancrest September 15, 2012 at 02:39 PM
Nobody cares about your politics.
#537
Does PEnFed card (with no foreign transaction fee) require military membership or can just donate to PenFed and qualify? It looks like the best card for my purposes.
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#538
Does anyone have any experience in reapplying for this card after a targeted offer to get 50k bonus miles? I've done it once and it says only for new members but has anyone checked if that is true?
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#539
Quote from RooseveltL View Post :
Does PEnFed card (with no foreign transaction fee) require military membership or can just donate to PenFed and qualify? It looks like the best card for my purposes.
I've looked into it and I believe you can just make a one time $15 donation if you aren't military/family of military.
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#540
Quote from RooseveltL View Post :
Does PEnFed card (with no foreign transaction fee) require military membership or can just donate to PenFed and qualify? It looks like the best card for my purposes.
I made a one time $5 donation and was promptly approved for a PenFed Cash Rewards card a few months ago. Smilie
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