- $100 in gift cards - When you redeem the 10,000 bonus ThankYou® Points received after you make $650 in purchases and sign up for paperless statements within the first 3 months
- 0% intro APR for 12 months on balance transfers and for 7 months on purchases. After that, 12.99% - 22.99% variable
- 5 points for every $1 spent at restaurants and on books, movies and music. 1 point for every $1 you spend on all other purchases
- APR reduction on purchases when using credit wisely
- No Annual Fee
Rick's Review: This card is a no annual fee card that pays a big bonus in several popular categories: You will earn 5 points per dollar at restaurants, movies, on books and music and 1 point per dollar on all other purchases. I carry it for restaurant spending. If you also have a Citi Premier Thank You Points card, you can combine your points into one Thank You point account and earn 1.33 cents per point on air travel when purchasing tickets through the Thank You Points online travel agency. The sign up bonus (10,000 points) is not the reason to apply for this card. Choose this card if you are heavy in the above spending categories. And there is a Forward Card for College Students as well, with no co signor required. The college version still offers the five points per dollar in the above categories with a 1000 point sign up bonus after signing up for paperless statements for three months. Apply Now!
Here's how I use the card: This is my restaurant card. With no annual fee and five points for all of my dining, this is the best dining card available.
