Are you looking for a rewards credit card from Citi? Here are two cards to look into: the Citi Forward® card and the Citi ThankYou® card. Both cards offer great benefits and bonuses without requiring you to pay for them annually. Since they have similar qualities, you may want to know which card you should get. Before deciding, you should consider the kind of consumer you are and how you want to use your card. Here are the top features of these two to help you pick the right plastic:
Citi Forward® Card
This card from Citi is one of the most popular cards being offered by the bank. Its popularity springs from the following reasons:
This card also lets you take virtual account numbers for additional protection, particularly when shopping online. If you have the Citi Forward® card, you can access customer service anytime you wish.
You can get this card here.
Citi ThankYou® Card
Formally known as the Citi ThankYou® Preferred card, this plastic automatically makes you a ThankYou member. The features of this card are almost the same as the Citi Forward, except for the following:
The downside to having this card is that you might have minimal chances of earning points with your purchases. However, you may receive bonus points every year during your card’s anniversary.
You can get this card here.
The rewards structure of the Citi Forward® card clearly surpasses that of the Citi ThankYou® card. First, you earn 5 points when you use your card for purchases at bookstores, restaurants, video rental stores, music stores, and movie theaters. You can also earn up to 1,200 points if you pay on time and you don’t go over your credit limit. You can even reduce your APR up to 2% lower if you continually pay your balances in full every month.
To know which card is for you, ask yourself whether you want to earn rewards or you prefer exclusive perks and benefits. If the latter is what you seek, the Citi ThankYou® card is the superior option. However, if you want to earn points and exchange them for gift cards, merchandise, or cash, you should seriously consider the Citi Forward® card.
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