The Citi Forward(SM) card by Citi Bank is a great card if you're looking for a points based card that's going to give you the most in terms of rewards. Many people just focus on the cash back based cards, but what most people don't realize is that you're able to get a lot back with your points.

When you use a points based card, you can basically turn it it for anything, once you reach a certain point. For example, with Citi Bank's Thank You network, you can redeem your points for just about anything. You can get airline tickets, hotel rooms, gift cards, and more. It makes it almost as good as cash.

With the Forward(SM) card, you're going to get rewarded for your great behavior. Pay on time, and make sure you pay your bill off all the time, and you can get APR reductions, and more.

Be sure to look at sign up bonuses, because this particular card is going to give you more for your money, just for signing up!