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Citibank Forward Rewards Card Programs

How to Apply for a Citibank Forward Rewards Card

The Citibank Forward rewards card is a credit card designed for college students. While the card is part of the Thank You points program from Citibank, college students earn special rewards for making good decisions that positively affect their credit. Students can apply for the card on the Citibank website [+] or by calling 1-800-829-2303.

Earning Citibank Forward Card Rewards & Benefits

As is the case with all Thank You points programs from Citibank, the Citibank Forward rewards program credits one Thank You point to the college student’s account for every dollar spent on qualified purchases. In addition to the standard point rate, special offers may be available from time to time that double or triple Thank You points for purchases at select locations, like bookstores and restaurants, according to the Terms and Conditions [+].

As part of the special program geared toward college students, when students make on-time payments and maintain a balance below the credit card limit for three consecutive billing cycles, the APR on the card is reduced 0.25%. This reduction can occur eight times for a maximum APR reduction of 2%. Bonus points may also be added periodically for paying on time and staying below the credit limit.

Redeeming Your Benefits

Card holders can visit the Thank You points website to register for an account, keep track of accumulating points and redeem points for merchandise and special offers [+].

Fee Schedule for the Citibank Forward Rewards Card Program

For the first seven months after opening the Citibank Forward rewards card account, students pay 0% APR on purchases. After the initial welcome period, the APR will reflect the credit worthiness of the student.

  • Annual Fee: $0
  • APR: From 13.99% to 23.99%
  • Cash Advance APR: 25.24%
  • Penalty APR: 29.99%
  • Balance Transfer Fee: The greater of $5 or 4% of the balance transfer.
  • Cash Advance Fee: The greater of $10 or 5% of the cash advance.
  • International Transaction Fee: 3% of the purchase (US dollars).
  • Late Payment Fee: Maximum of $35.
  • Returned Payment Fee: Maximum of $35.

Cancelling Your Citibank Forward Rewards Card

There should be a phone number printed on the bank of the Citibank Forward rewards card. Call that number to cancel your account. If there is no number or you do not have your card handy, you can call 1-800-950-5114 to speak with a Citibank customer service representative.

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