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:

You can get thousands of points if you register for their paperless statements and if you are able to reach their minimum required spending amount. The points can be equivalent to gift cards worth a hundred dollars.

You can enjoy up to one year of no-interest period on both purchases and balance transfers.

It is easy to remember your payment due dates by selecting your repayment schedule.

You can access your account online or on your handheld device anytime.

You get automatic auto rental insurance.

You can stay worry-free abroad with travel accident insurance.

You can enjoy discounts from Hertz®.

You can obtain travel and emergency help 24/7.

You get a portion of what you spend through Citi® Price Rewind. You can enjoy retail purchase security.

You can benefit from Citi® identity theft solutions, built-in account security, and $0 fraud liability.

You have the opportunity to choose how you want your card to look like with the Citi® Photocard.

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:

It has a lower required minimum spending threshold to get thousands of bonus points. This card has no spending limit, so you can purchase items in any amount as long as you repay it in full.

This card covers lost luggage and even trip cancellation, which are both not offered in the Forward card.

You can enjoy personal concierge service with your ThankYou card.

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.