Best Restaurant Card: Citi Forward Review

by Sean Chuplis on February 26, 2011

Citi Forward Restaurant RewardsFind yourself eating into your per diem at restaurants on your TDYs? You can earn 5% restaurant and entertainment rewards using the Citi Forward credit card. It’s the only card in my best military credit cards lineup that earns points instead of cash but I’ll explain how you can earn five times the rewards using your points for restaurants.

Earn cheap eats

I hope you’re following a budget to measure your common expenses. You might find restaurant expenses taking a large chunk of your budget. It helps to cut back on your dining out, how about only on weekends? You can save up for your next night out by using this restaurant card to earn points for a dining certificate. This method earns your five times the rewards.

$25 dining certificate for $3 in points

Restaurant Dining Certificate You can use Citi Forward points to buy a gift certificate. The way it works is you find restaurants in your area, print out a certificate then present it at the restaurant after spending a minimum amount (usually $35) then they deduct the certificate amount from your bill. You can find coupon codes on the internet to get these certificates for up to 80% off, giving you five times the restaurant rewards.

Earn points at Amazon

It seems you can find anything on these days. You can use this card to earn 5% in points when making online purchases for books, CDs, DVDs, etc.


You may be reluctant using a restaurant rewards card with points. Cash back is easiest but even if you don’t plan on using points for a dining certificate you can redeem them for gift certificates from all major merchants.

Final verdict

Points limit rewards choices but this restaurant card puts up to 25% of your restaurant purchases towards a dining certificate and even gives you points at book stores. It allows you to eat out every month and still cut down on your budget. To find a profile and application for Citi Forward type it into the search box on There’s no annual fee. If you have any experiences with this restaurant card please share them in the comments below.

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