With almost every credit card out there, not making your payment on time or exceeding your credit limit, you can be sure of an interest rate increase, fees or combination of both. But, what does your credit card do for you when you make your payments on time or do not exceed your credit limit? Enter the Forward credit cards from Citi – the only card that rewards cardholders for responsible use and good behavior. Separate credit cards are available for personal use and college students.

For consumers, the Citi Forward(SM) Card rewards you when you make three payments on time and stay below your credit limit. Your reward comes in the form of an APR reduction up to 2% on purchases. However, a reduced APR won’t be your only reward for your good behavior. How about earning ThankYou points on every purchase you make? Earn 6,000 points after $50 in purchases, 5,000 points when you sign up for paperless statements and five points for every $1 on dining, books, movies and music.

The Citi Forward(SM) Card for College Students offers the same rewards for college students too. Students using the card responsibly will save money and work towards establishing a good credit history. Cardholders can use their ThankYou points for almost any type of reward.

Both cards offer new applicants a 0% APR for six months on purchases and balances transfers. Please see the issuer’s website to read the full terms and conditions or to apply online.

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