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Citi Forward Discounts, Deals and Coupon Codes

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thelnel52 2,351 2,553 February 12, 2010 at 02:22 PM More Citi Forward Deals
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Last Edited by Schooby March 26, 2015 at 06:34 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 04:43 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]):
• 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

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™ 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/

1,137 Comments

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#616
Quote from tadc View Post :
I assume eligibility has to do with serving in the Navy?
Any branch of the military / DoD or through a family member (case for me).

https://www.navyfederal.org/how-t...member.php
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#617
Quote from geost View Post :
Any branch of the military / DoD or through a family member (case for me).

https://www.navyfederal.org/how-t...member.php
Wow.. grandparents or grandchildren of eligible people, that covers alot of ground.

So my grandfather was in the Navy in WWII... but he's deceased. I wonder if that counts?
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#618
Quote from tadc View Post :
Wow.. grandparents or grandchildren of eligible people, that covers alot of ground.

So my grandfather was in the Navy in WWII... but he's deceased. I wonder if that counts?
I got in through my brother who got in through his wife who got in through her dad. It's surprisingly easy to get in, just have to find some levels of separation.
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#619
If you can get in I would highly recommend it. Even if you don't plan on using them as your primary, I think it's worth having as a backup/secondary. Hek, I think their credit cards are worth it alone since they have low APRs and every year they have 0% balance transfers. There's never BT fees so even if you transferred over a balance anytime at their APR you wouldn't get charged a fee.

I use them as my secondary but lately I've been thinking of switching completely since USAA doesn't let me deposit checks online/mobile. NFCU does for free and I can even deposit cash at ATMs (no fees of course).
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#620
What's the best Visa or Mastercard sign up promotion on a card that has no annual fees? Rewards are a consideration, however I don't expect to be charging much on the card as I primarily use my Amex Blue card (great rewards), but need something else for merchants that don't accept Amex. I don't carry a balance so balance transfer rates don't matter to me. Considering the Amazon Visa, since that currently has a $50 signup bonus, and has higher rewards for Amazon purchases vs the Amex Blue. Thanks.
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#621
Quote from zwoo View Post :
What's the best Visa or Mastercard sign up promotion on a card that has no annual fees? Rewards are a consideration, however I don't expect to be charging much on the card as I primarily use my Amex Blue card (great rewards), but need something else for merchants that don't accept Amex. I don't carry a balance so balance transfer rates don't matter to me. Considering the Amazon Visa, since that currently has a $50 signup bonus, and has higher rewards for Amazon purchases vs the Amex Blue. Thanks.
I would sign up for the chase sapphire preferred visa or mastercard which has a 40,000pt ($400) sign up bonus after 3k spend. It does have an annual fee which is waived the first year. You can use it for a year then downgrade it to the normal chase sapphire and not have to pay any annual fee.
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#622
Quote from bta15 View Post :
I would sign up for the chase sapphire preferred visa or mastercard which has a 40,000pt ($400) sign up bonus after 3k spend. It does have an annual fee which is waived the first year. You can use it for a year then downgrade it to the normal chase sapphire and not have to pay any annual fee.
Also... "This one-time bonus offer is valid only for first-time cardmembers with new accounts."
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#623
Quote from Ferdinand33 View Post :
Also... "This one-time bonus offer is valid only for first-time cardmembers with new accounts."
That is true but doesn't seem like this guy is trying to churn. He just wants a Visa or MC with a decent signup bonus and no fee.
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#624
any suggestions for a credit card with a good signup bonus right and no foreign transaction fee? i am ok with paying an annual fee (ie <$100).
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#625
Quote from earthshine View Post :
any suggestions for a credit card with a good signup bonus right and no foreign transaction fee? i am ok with paying an annual fee (ie <$100).
Southwest airlines Visa Signature premier card: https://slickdeals.net/f/5668782-Southwest-Airlines-credit-card-50k-bonus-on-spending-2k-in-3-months?v=1

No foreign transaction fees and get free points equivalent (I think) to the value of the annual fee ($99 for premier).
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#626
Quote from geost View Post :
Southwest airlines Visa Signature premier card: https://slickdeals.net/f/5668782-Southwest-Airlines-credit-card-50k-bonus-on-spending-2k-in-3-months?v=1

No foreign transaction fees and get free points equivalent (I think) to the value of the annual fee ($99 for premier).
the plus card above, has $69 annual fee, but charges 3% for foreign transactions.

the premeir card, not available right now with teh 50K bonues, has $99 fee, but does not charge for foreign transactions.

would love to get teh premier... but would love to get it with the bonus... too bad i missed it this time.

thanks for the suggestions tho.
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#627
best card with most rewards coming from fast food/gas/online shoping and best benefits for purchases over 500 wit no annual fee?

i bank wit wellsfargo btw if
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#628
Quote from slickmig View Post :
best card with most rewards coming from fast food/gas/online shoping and best benefits for purchases over 500 wit no annual fee?

i bank wit wellsfargo btw if
^this. I bank with Chase. I also use Amazon often and drive almost 1000 miles per month so I get gas often. Is the Amazon card the best or is there even a better option?
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Cool
#629
Quote from fivedices5 View Post :
^this. I bank with Chase. I also use Amazon often and drive almost 1000 miles per month so I get gas often. Is the Amazon card the best or is there even a better option?
I use the Costco/Amex card for gas/dining. I've heard Pennfed's gas rewards are good too.
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#630
I signed up for several credit cards when I was 18/ 19 from Bank of America (limit: $1,200), Chase (limit: $300), Capital One (limit: $300 and $750), Citi (limit: $3,000), Discover (limit: $500), and Orchard Bank (limit: $300). They are all close to max but I haven't really used them in a couple of years. Most of the credit limits have never been raised except BOF. Orchard Bank has a $50 annual fee. the rest don't. I've just been paying mostly just minimum payments for the last 5 years but I've never once missed a payment on anything. I'm now almost 25 and have a job that pays almost $50k. I've just started to make large payments on the cards and they should be paid off by July. I have a few questions.

1. I know closing accounts is bad but Orchard Bank is basically useless and has a $50 annual fee. Should I close it? Also, it doesn't make sense in my mind to have two cards with Capital One. Would it be possible to merge the credit limits and keep the account number that I opened the longest ago?

2. I don't plan on using much credit after I pay everything off. I'm planning to keep them close to $0 but use them here or there to continue building history. That said, the credit limits are low and most of the cards don't have any rewards. Is it worth trying to increase the limit, decrease the APR, and maybe even upgrade to a better card with rewards? How long will have to wait once everything is paid off and my credit score improves to apply for better cards?

3. If I do upgrade some of the cards, is it possible to keep the account number and history so that the age of my accounts and credit history isn't affected? Anyone have any experience doing this?

Thanks in advance.
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