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Amazon Visa
http://www.amazon.com/gp/cobrandcard/marketing.html
3 points for every $1 spent on Amazon.com, 2 points for every $1 spent at gas stations, restaurants, and drug stores, and 1 point for every other $1 spent.

Citi Forward
https://creditcards.citi.com/credit-cards/citi-forward/
5 ThankYouŽ Points for every $1 spent on purchases at restaurants (including fast food), bookstores, music record stores, movie theaters and video rental stores, up to 75,000 points per year. 1 ThankYouŽ Point for every $1 spent on all other purchases2

Now 5000 points for Amazon is a 50 dollar check.
8000 points for citi is a 50 dollar check.
7500 points for citi is a 50 dollar statement credit.

Obviously the Amazon Visa is 3% return. But what is the return for citi percent wise if you want to cash in for checks? What is the return if you want to cash in for a statement credit?

Don't really know how to do the math.

Thanks for your time.

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use the same formula you used to calculate the Amazon percent?

If you insist on getting cash for your points from Citi, the return is 3.125%.

[math: ($50/8000 TYP) * (5 TYP/$) =3.125%]

You can get nearly the full value (1 point = 1 cent) if you use Expedia for travel and pay with points.

It depends on what you are buying. You might want both cards.

Based on 8000 points for $50. (the citi card will have slightly better numbers on the 7500 points calculation)
Amazn.com Purchases:
Amzn Card: 3 cents per dollar spent
Citi Card: 3.1 cents per dollar spent

Restaurant Purchases:
Amzn Card: 2 cents per dollar spent
Citi Card: 3.1 cents per dollar spent

Gas Purchases:
Amzn Card: 2 cents per dollar spent
Citi Card: .6 cents per dollar spent

Drug Store Purchases:
Amzn Card: 2 cents per dollar spent
Citi Card: .6 cents per dollar spent

Book Store/Music Store/Movie Purchases:
Amzn Card: 1 cent per dollar spent
Citi Card: 3.1 cents per dollar spent

Other Purchases:
Amzn Card: 1 cent per dollar spent
Citi Card: .6 cents per dollar spent

Actually, if you use plastic jungle and Staples gift cards (100$ per 10000 TYP), the math for everyday purchases with Citi forward is .82% CashBack and 4.1% CashBack for restaurants and Amazon.com purchases.

While the number seems to be decreasing, there still are plenty of $100 giftcards that can be had for 10,000 TYP. For my purposes, the Citi forward is the clear winner. I use a separate card for Drugstore (5%) and everyday purchases.

qwerty12345otron said: Actually, if you use plastic jungle and Staples gift cards (100$ per 10000 TYP), the math for everyday purchases with Citi forward is .82% CashBack and 4.1% CashBack for restaurants and Amazon.com purchases.
if Amazon.com counts as one of the bonus tiers of citi then citi might be better for Amazon as well.

yep Amazon does count for 5 point tier for citi. Thats why i was struggling between the two cards.

Why didnt you post this in the 1000 post Citi Forward thread? It's been answered in that thread several times.

Forward card gives slightly better returns for cash(statement credit= cash, if $0 balance and take statement credit they will send you a check for credit balance if you ask = cash) as well as better opening bonus(8.5k points = ~$57 for cash) and gives 100 points(~$8 year cash) every month you use your card and pay you bill

Reanimatedshad0w said: yep Amazon does count for 5 point tier for citi.

How did you determine that? The offer doesn't mention anything specifically about Amazon, and considering the wide range of stuff that Amazon sells, I'd be surprised if they just considered them a bookstore.

LordKronos said: Reanimatedshad0w said: yep Amazon does count for 5 point tier for citi.

How did you determine that? The offer doesn't mention anything specifically about Amazon, and considering the wide range of stuff that Amazon sells, I'd be surprised if they just considered them a bookstore.


Amazon is classified in this case as a bookstore. Many of us who have had the Forward card for over a year can confirm this.

DVDAPEX said: LordKronos said: Reanimatedshad0w said: yep Amazon does count for 5 point tier for citi.

How did you determine that? The offer doesn't mention anything specifically about Amazon, and considering the wide range of stuff that Amazon sells, I'd be surprised if they just considered them a bookstore.


Amazon is classified in this case as a bookstore. Many of us who have had the Forward card for over a year can confirm this.


Yup, many also have the Citi mtvU and have loved the 5% at Amazon "bookstore" for the past few years.



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