The Citi Forward(SM) is more than a card that gives you rewards, it's a card that's going to reward you for good behavior. When you think of a credit card company, you tend to think bad things, but I really like this card because they give you incentives when it comes to paying off your bill in time.

Let me show you exactly what I'm talking about when it comes to incentives for good behavior.

• When you make a purchase, stay under your credit line, and pay the minimum for at least 3 billing periods in a row, you're going to get up to a 2% APR reduction.
• Also, the Forward card is loaded with great incentives just to sign up! From getting points just for making a purchase for the first time, to signing up for paperless statements, this is a great way to get started with this Forward Card.

Now, I'm sure you're wondering what the rewards are all about. This card isn't so much targetted to gas users, but you're going to be able to save money when it comes to using this card, as long as you pay in full.

• For every dollar you spend on dining, books, movies, and music, you're going to get 5 points per dollar.
• For every dollar you spend outside of these categories, you're going to get one point.

With these points, you can head to the Thank You network store, and purchase items such as gift cards, electronics, plane tickets, and so much more!