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Citi Forward Discounts, Deals and Coupon Codes

Credit Card Thread

thelnel52 2,291 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

1,129 Comments

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#16
Quote from Sportsaholic View Post :
it still gives an error when you click on apply now.
That was just FYI.
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#17
How's the Chase student credit card with karma points? I rather have all my banking with one bank ><
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#18
Quote from skwz View Post :
Any card you get will build your credit which should be your top priority. Get a card without an annual fee and has a decent rewards program. APR shouldn't be a concern since you're ALWAYS going to pay off your balance in full. Remember, as a college student, you're not going to be spending enough to make rewards worthwhile (generally) and your primary goal is to establish a good credit history. That said, I recommend Discover Student More Card and Citi Forward (wait out to see if annual fees are tacked on).
I agree with most of what you say, but I don't agree with the APR part. Stuff happens (most of the time, it's due to bad decisions), but putting yourself in a situation where carrying a balance is 2x as expensive as it could have been is a bad idea. Maybe purchase APR shouldn't be a primary concern, but it's definitely something that should be considered.

If I were looking for a first card, my priorities would be:
No annual fee
Low purchase APR
Ease of use (I know that AMEX isn't usually a first card, but it's not uncommon to find a business that simply doesn't pay it)
Rewards
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#19
Quote from quazywong View Post :
How's the Chase student credit card with karma points? I rather have all my banking with one bank ><
TBH, pretty crappy. If you want a Chase CC, look into their freedom card. Do you have any prior credit history (i..e being an AU on a parent's account?). If not, you're probably limited to cards aimed towards students or people with poor/no credit.
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#20
Quote from skwz View Post :
Can the Amex Plum be considered slick with a $185 annual fee?
Depends on rewards......
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#21
Im going to give everybody a little bit of advice if you have a hardship and you call your cc company. Make sure you ask for a lower payment first. I deal with people with hardships all day and from what I have heard internal hardships work like this. Usually it is a 6 month to 5 year program and when they lower your payment they will tell you a new rate.

Also when you call lender/credit card company cut out all non-essential living expenses when you talk to them or you will not get any help. Common sense stuff (gifts, eating out).

And stay far away from settlement companies. You dont need a third party to work out a settlement you could hold on to your own money and work out a settlement on your own.
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#22
Quote from skwz View Post :
Can the Amex Plum be considered slick with a $185 annual fee?
It gives 1.5% back. (it also happens to be the card Mr. Slickdeals uses for office purchases)
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Last edited by thelnel52 February 17, 2010 at 11:34 AM

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#23
Quote from thelnel52 View Post :
It gives 1.5% back. (it also happens to be the card Mr. Slickdeals uses for office purchases)
Eh. If you really think about it, if that's ALL that it gives (e.g. 1.5% on everything, no larger %'s for certain types of purchases), then you're only gaining 0.5% over other cards that do not have the annual fee.

So you're paying $185 for 0.5% more back. In order to break even you'd need to spend $37,000 on the card per year.
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#24
Sometimes you can get the fee waived or reduced if you threaten to close the card....credit card companies need us more than we need them remember that.
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#25
Quote from Dr. J View Post :
Eh. If you really think about it, if that's ALL that it gives (e.g. 1.5% on everything, no larger %'s for certain types of purchases), then you're only gaining 0.5% over other cards that do not have the annual fee.

So you're paying $185 for 0.5% more back. In order to break even you'd need to spend $37,000 on the card per year.
The rewards for new Plum signups must have changed. I signed up back when Plum came out and I'm still getting 2% back on everything. Must be a charter member thing. Bandwidth & servers for SD isn't cheap. Smilie

Even at 1.5%, it might be worth it depending on your business expenditures.
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#26
Quote from skwz View Post :
Any card you get will build your credit which should be your top priority. Get a card without an annual fee and has a decent rewards program. APR shouldn't be a concern since you're ALWAYS going to pay off your balance in full. Remember, as a college student, you're not going to be spending enough to make rewards worthwhile (generally) and your primary goal is to establish a good credit history. That said, I recommend Discover Student More Card and Citi Forward (wait out to see if annual fees are tacked on).
Already have one to build a credit history. But from what I've heard, I will eventually have to get a regular card (not student) credit card in order to maintain the history after graduating, correct?

Edit: what about chase sapphire, got some of those spam applications saying an variable APR of 15.24%...?
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#27
Quote from compuguy1088 View Post :
Already have one to build a credit history. But from what I've heard, I will eventually have to get a regular card (not student) credit card in order to maintain the history after graduating, correct?

Edit: what about chase sapphire, got some of those spam applications saying an variable APR of 15.24%...?
No. No differentiation is made as to whether your card is a student or non-student. Just maintain some activity to prevent your account from being closed and you're set.

I don't know about Chase CC's, but they often have promotions running (i.e. $50 cashback for Chase Freedom) if that's any consolation. Since you've already established credit and are in good standing (hopefully), the choice is yours to make. Decide which factors are a priority (Chase branded, low apr, decent rewards program, etc...) and then pick a card you see fit.
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#28
Quote from thelnel52 View Post :
It gives 1.5% back. (it also happens to be the card Mr. Slickdeals uses for office purchases)
The Amex Blue Cash card (which Im surprised is missing from this thread) gives a tiered reward structure (up to 5% back on gas/grocery/drugstore purchases and 1.25% on everything else once you've spent $6500 on the card). Overall, based on the cash rewards I've received so far, it ends up being ~1.5-1.7% cashback annually, and there is no fee for the card.
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#29
Quote from skwz View Post :
No. No differentiation is made as to whether your card is a student or non-student. Just maintain some activity to prevent your account from being closed and you're set.

I don't know about Chase CC's, but they often have promotions running (i.e. $50 cashback for Chase Freedom) if that's any consolation. Since you've already established credit and are in good standing (hopefully), the choice is yours to make. Decide which factors are a priority (Chase branded, low apr, decent rewards program, etc...) and then pick a card you see fit.
At last check, my credit score via credit karma (only one of the scoring companies) was in the low to mid 700's.
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#30
Quote from Dr. J View Post :
Eh. If you really think about it, if that's ALL that it gives (e.g. 1.5% on everything, no larger %'s for certain types of purchases), then you're only gaining 0.5% over other cards that do not have the annual fee.

So you're paying $185 for 0.5% more back. In order to break even you'd need to spend $37,000 on the card per year.
PLum was also designed with small businesses in mind. I believe the grace period of purchases is double of what normal cards are...at least that is how I originally remember it being marketed.
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