Citi Forward - bit of a bait and switch with ThankYou Points

Discuss the Visa & MasterCard payment networks as well as cards that operate through them.
Regnohspf
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Postby Regnohspf » Fri Aug 10, 2012 5:05 pm

value out of the sapphire or the citi?

Sapphire is double points if you book flights wherever but if you book through Ultimate Rewards you get 3x the points and there booking tool is very competitive with other places like kayak. prices have been identical for me.

The Citi will definitely help you rack up points a lot faster then the Sapphire but the Sapphire does give you 20% bonus when using your points.

I was actually contemplating between going Freedom + Sapphire or Forward + Thank you Premier haha. both combos are awesome and they both share eachothers point system. but went with Sapphire cause of the sign up bonus right now. will eventually go thank you premier cause of that domestic flight
ticket haha

[Edit]

btw Chase Sapphire you can transfer points to partnering airlines which the Citi cant haha
Wells Fargo Student Credit Card Visa - $1300 (February 2011)
American Express Zync Charge Card (February 2012)
Chase Freedom Visa- $2000 5% rotating (April 2012)
Citi Forward Visa- $3000 - 5x at restaurants, amazon.com (April 2012)
Chase Sapphire Preferred Mastercard World Elite - $5000 (July 2012)

Credit cards left to attain
-Amex BCE/BCP


FutureBillionaire
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Postby FutureBillionaire » Fri Aug 10, 2012 5:36 pm

The sapphire was the card I was referencing. I think I am leaning more towards the Citi Forward card.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Crashem
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Postby Crashem » Sat Aug 11, 2012 4:27 am

When it comes to flights, big difference is Chase UR points can be moved to miles where the value of UR points can be significantly more than 1 penny a point. Citi ThankYou can be redeemed against ticket prices at a set amount close to 1 penny a point. Since I usually use my miles for international upgrades or tickets in business/first, UR points make much more sense as I can get close to 10 cents a pt in value that way.
Amex Centurion, Amex Platinum, Amex BCP 8k->24k (5/23/12), Amex TE 15k, Cap One 1.5% 15k->20k (8/7/13), CSP 25k, Chase Palladium 100k, Citibank AA 35k (AU), Firestone 1.8k->2.2k->2.4k (8/20/12), JFCU Jloc 30k, PenFed Plat Rewards 30k, SF Fire 30k, US Bank Cash+ 25k

FutureBillionaire
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Postby FutureBillionaire » Mon Aug 13, 2012 11:42 am

I was approved for this card with a $6500 limit. We will see how things go! I will use this at restaurants and Amazon.
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

Regnohspf
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Postby Regnohspf » Mon Aug 13, 2012 1:02 pm

Congrats man! hope you enjoy the card :) theres a hidden benefit to this card. im not sure how the process works when you try to file a claim for it but if you pay your cell phone bill in full every month. The Citi Forward card basically gives you insurance coverage on your cell phone.

It's suppose to cover you for any damage or theft from what i've read and covers up $250.

but like i said dont ask me how it works haha, i asked on this forum and nobody had an answer to it haha
Wells Fargo Student Credit Card Visa - $1300 (February 2011)
American Express Zync Charge Card (February 2012)
Chase Freedom Visa- $2000 5% rotating (April 2012)
Citi Forward Visa- $3000 - 5x at restaurants, amazon.com (April 2012)
Chase Sapphire Preferred Mastercard World Elite - $5000 (July 2012)

Credit cards left to attain
-Amex BCE/BCP

FutureBillionaire
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Postby FutureBillionaire » Mon Aug 13, 2012 5:21 pm

Regnohspf wrote:Congrats man! hope you enjoy the card :) theres a hidden benefit to this card. im not sure how the process works when you try to file a claim for it but if you pay your cell phone bill in full every month. The Citi Forward card basically gives you insurance coverage on your cell phone.

It's suppose to cover you for any damage or theft from what i've read and covers up $250.


but like i said dont ask me how it works haha, i asked on this forum and nobody had an answer to it haha


I saw that as one of the benefits. I'm going to see about paying my phone bill with it.

Any places that get 5x points that don't show up on the website?
Gas: Discover It, Penfed Platinum Rewards x2, Chase freedom, Citi TYP
Plane tickets: CSP
Groceries: AMEX BCP, Penfed Platinum Rewards,Citi TYP
Clothes: Express, Amex BCP, Discover IT
Amazon: Citi Forward, Cash +
Restaurants: Citi Forward, Chase Freedom, Discover IT, CSP
Hotels and other travel: Discover Escape, CSP
Movies: BofA travel rewards visa signature(fandango), Discover IT, Citi Forward, Freedom
Bars, clubs, tomfoolery: CSP, Citi Forward, Discover IT, Freedom
Balance transfers: Kroger 123 rewards
Bill Pay: Chase Ink Plus, Citi Forward
Everyday spending: Bofa Accelerated cash rewards amex, Discover Escape

hematino
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Postby hematino » Mon Aug 13, 2012 11:03 pm

The funny thing is that any platinum Visa actually has cell phone protection. Regardless of issuer, since it's through Visa themselves. If you don't believe me, google it. It's just that very few if any other cards push the protection like the Citi Forward. My guess is because its marketed at a younger crowd who is more "hip" and would care more about cell phone insurance and shopping at Amazon and stuff like that which the card rewards. In theory anyway.

http://www.spiritofak.com/custom/spiritofak/document/credit-card-benefits.pdf
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t528491
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Postby t528491 » Wed Aug 15, 2012 10:23 am

Wait, so is the Citi Forward card a classic or platinum visa?
[size=80]
02/12 Authorized user on Chase Freedom ($5000)
08/12 Discover It ($1500)
08/12 American Express Zync (NPSL)
12/12 NFL Visa ($500)[/size]

[size=60]Future cards:
Citi Forward for Students 6/13
American Express Blue Cash Everyday 1/14
Sallie Mae World Mastercard 2014
Chase Freedom 2014
Penfed Platinum Rewards Card 2015[/size]

hematino
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Postby hematino » Wed Aug 15, 2012 11:40 am

Yeah Citi Forward is a Platinum. Most Visa cards offered by the big CC issuers are either Platinum or Signature. Some no frills cards, but with pretty low interest and simple terms you can get (issuers like IberiaBank, Simmons First, that kind of thing) are still issued as Classic or Gold level Visas. Benefits wise there aren't all that many things setting them apart. I think it's a perceived prestige thing that was big in the 80s and 90s, but has kind of fallen by the wayside nowadays.
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Eat up her hands.

Nick21
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Postby Nick21 » Wed Aug 15, 2012 1:27 pm

I had no idea, that's good info to know about the mobile phone coverage, hematino. Does it apply to Signature too?



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