Citi Forward(R)

• Earn 5x ThankYou^® Points for every $1 spent
   at restaurants, on books, movies and music.
    Get 1 reward point for every $1 you spend on
      purchases¹

       Earn up to 8,500 bonus points when you
        make $250 in purchases and sign up for
          Paperless Statements²

             Earn up to 1,200 bonus points per
               year for paying on time and staying within
                your limit¹

• Get up to a 2% purchase APR reduction when you
    make a purchase, stay under your credit limit and pay on
      time 3 billing periods in a row (2% maximum reduction)³
•     0% Intro APR on Balance Transfers for 12 months
      and 0% Intro APR on Purchases for 7 months. After
       that, the APR will be 12.99%-19.99%. This APR will
        vary with the market based on the Prime Rate.
         Both the rate and duration of this offer will be
          based on your creditworthiness¹
•              No annual fee⁴

• Identity theft protection
•  $0 Liability on fraudulent charges
•     Free cell phone insurance⁵

via creditcards.citicards.com