Citi Forward® Card vs Discover® Open Road Card

Citi Forward is an excellent rewards credit card, especially for cardholders who plan to eat out at restaurants frequently. How does it compare to Discover Open Road, a gas credit card? Read our comparison chart below.

	Citi Forward® Card	Discover® Open Road Card
	Credit Card Summary
	$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 you spend on restaurants and on books, movies and music. 1 reward point for every $1 you spend on other purchases. APR reduction on purchases when using credit wisely No Annual Fee*.	0% intro APR on purchases and balance transfers for 15 months, then the variable standard purchase APR of 10.99% - 19.99%* 2% automatically at gas stations and restaurants all year long* Plus, up to 20% Cashback Bonus at popular online retailers when you shop through Discover.com Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S.-based Account Manager within 60 seconds Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information
	Credit Card Interest Rates & Fees
Introductory APR for Purchases	0% introductory APR for 7 months	0% introductory APR for 15 months
Introductory APR for Balance Transfers	0% introductory APR for 12 months	0% introductory APR for 15 months
Purchases APR	as low as 12.99% to 22.99% (Variable) based on your creditworthiness and other factors	as low as 10.99% to 19.99% (Variable) based on your creditworthiness and other factors
Balance Transfers APR	as low as 12.99% to 22.99% (Variable) based on your creditworthiness and other factors	as low as 10.99% to 19.99% (Variable) based on your creditworthiness and other factors
Annual Fee	$0 annual fee	$0 annual fee
	Credit Card Rewards & Benefits
Introductory Bonus Reward Points	Introductory Bonus Reward Points: $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
Cash Back Rewards		Cash Back Rewards: Up to 1% unlimited cashback bonus on all other purchases.
Point Rewards	Point Rewards: Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases.
Bonus Reward Points	Bonus Reward Points: Earn up to 1,200 bonus points per year for paying on time and staying within your limit
Dining Rewards	Dining Rewards: 5 points for every $1 you spend on restaurants	Dining Rewards: 2% cashback bonus at restaurants all year long.
Gas Rewards		Gas Rewards: 2% cashback bonus at gas stations all year long.
	Go to issuer's official application, terms, and details	Go to issuer's official application, terms, and details
	CreditDonkey® Credit Card Reviews
Pros & Cons	Pros: 10,000 bonus point offer 5 points for every $1 spent at restaurants No annual fee Cons: Short intro APR period	Pros: 2% cashback bonus at gas stations and restaurants 0% intro APR $0 annual fee Cons: Low everyday cashback rate
Bottom Line	Excellent rewards credit card, especially for cardholders who plan to eat out at restaurants frequently... Read full review	Good no annual fee credit card for people who spend mostly on gas and restaurants... Read full review
See issuer's website for details including terms and conditions. While reasonable effort has been made to maintain accurate and updated information, the information shown on this site may vary, be out of date, or not applicable to you. All information is provided without warranty. When you click on the Apply Now button, you can review the terms and conditions on the issuer's website. Blank fields indicate either the information is not available, not applicable, or not known to CreditDonkey. Please visit the issuer's website for details. Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program. Disclaimer: This content is not provided or commissioned by Discover. Opinions expressed here are author's alone, not those of Discover, and have not been reviewed, approved or otherwise endorsed by Discover. This site may be compensated through Discover Affiliate Program.

Articles on Citi Forward® Card

Citi Forward Review: 5 Points for Restaurants
May 4, 2012 - By David R - Review for Citi Forward
The Citi Forward Card is a rewards credit card that encourages good credit management. It gives extra rewards and interest discounts to responsible cardholders. This card also has generous rewards for purchases at restaurants. These features ...

Disclaimer: This content is not provided or commissioned by Citi. Opinions expressed here are author's alone, not those of Citi, and have not been reviewed, approved or otherwise endorsed by Citi. This site may be compensated through Citi Affiliate Program.

Articles on Discover® Open Road Card

Discover Open Road Review: Cashback on Gas with No Annual Fee
February 10, 2012 - By David R - Review for Discover Open Road
If you are a frequent commuter, the Discover Open Road Card can help you save money. This card offers bonus cash back on gasoline and restaurant purchases - important categories for someone who travels a lot. It also offers somewhat limited cash ...

Disclaimer: This content is not provided or commissioned by Discover. Opinions expressed here are author's alone, not those of Discover, and have not been reviewed, approved or otherwise endorsed by Discover. This site may be compensated through Discover Affiliate Program.

Compare Citi Forward to:

Chase Freedom® Visa Intro APR (P) Intro APR (BT) APR as low as 0% for 15 months 0% for 15 months 12.99% - 22.99% (Variable) Earn $100 Bonus Cash Back after you make $500 in purchases in your first 3 months 0% Intro APR for 15 months on purchases and balance transfers 5% Cash Back on up to $1,500 spent at grocery stores and movie theaters from 4/1/12 - 6/30/12 You'll enjoy new 5% categories every 3 months like gas stations, restaurants and even airlines. It's free and easy to activate your bonus each quarter! Unlimited 1% Cash Back on all other purchases Up to an additional 10% Cash Back when you shop online at select merchants through Chase No annual fee and rewards never expire

Citi® Dividend Platinum Select® Visa® Card Intro APR (P) Intro APR (BT) APR as low as 0% for 12 months 0% for 12 months 12.99% - 22.99% (Variable) $100 cash back after $500 in purchases within the first 3 months of account opening. 0% Intro APR on Balance Transfers and Purchases for 12 months. After that, the APR will be 12.99%-22.99% variable based on your creditworthiness*. This APR will vary with the market based on the Prime Rate. Earn 5% cash back at The Home Depot and on Home Furnishing and Home & Garden purchases from 4/1/12 to 6/30/12 when you enroll. Enroll each quarter for new categories that earn additional cash back. To learn more, visit dividend.quarterlyoffer.citi.com. Full 1% cash back on all other purchases and eligible cash advances. No Annual Fee.*

Citi ThankYou℠ Preferred Card Intro APR (P) Intro APR (BT) APR as low as - - 12.99% - 22.99% (Variable) $250 gift card - When you redeem the 25,000 bonus ThankYou® Points received after $2,000 in purchases within 4 months of account opening. Earn 1 point for every $1 you spend on all purchases Receive an anniversary bonus every year you’re a cardmember No expiration and no limit on the points you can earn Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more No annual fee*

Compare Discover Open Road to:

Discover® More Card - 18 Month Promotional Balance Transfer 0% intro APR on purchases for 6 months, then the variable standard purchase APR of 10.99% - 20.99%* 0% intro APR on balance transfers for 18 months, then the variable standard purchase APR of 10.99% - 20.99%* 5% Cashback Bonus® in categories that change like gas, restaurants, department stores and more. Limitations apply* Discover is ranked #1 in customer loyalty--16 years in a row! (2012 Brand Keys Customer Loyalty Engagement Index report) 24/7 access to a U.S. based Account Manager within 60 seconds $0 Fraud Liability plus automatic mobile and email fraud alerts Great rewards with no annual fee, no rewards redemption fee, and no additional card fee *Click apply to view rates, fees, rewards, limitations and other important information Intro APR for Purchases Intro APR for Balance Transfer APR as low as Annual Fee 0% for 6 months 0% for 18 months 10.99% - 20.99% (Variable) $0

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