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Citi Rewards+℠ Student Card review

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Advertiser Disclosure

Interest Rate: Purchases
14.49% ‐ 24.49% (Variable) (0% for the first 7 months)
Balance Transfer
14.49% ‐ 24.49% (Variable)
1 - 2 points
Signup Bonus
2500 points (after spending $500)

Informr score
The Citi Rewards+℠ Student Card currently has an Informr score of 8.2 out of 10. This score is based on our evaluation of 10 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi Rewards+℠ Student Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

Money Crashers

Great for students who have good credit, who devote significant budgetary bandwidth to gas and supermarket purchases, and who want the flexibility of an introductory 0% purchase APR promotion. It’s not ideal for students who have poor or spotty credit, nor students who wish to spend extended periods...

- Brian Martucci, Money Crashers

The Citi Student Credit Card offers decent rewards for students. Although it has a weak sign-up bonus and it can be difficult to value your points, the points round up and redemption rebate features help make the card a little more valuable. The card’s additional perks, like Citi Private Pass, make...

- TJ Porter, Cardcruncher

The Citi Rewards+ Student Card is great for college students who make smaller purchases, especially on gas or groceries. The card features a unique “round up” feature that allows cardholders to earn extra rewards points, no matter how small the purchase.

- Kevin Payne, FinanceBuzz

The Citi Rewards+ Student Card is a great choice of credit card if you’re looking for flexible rewards and high earning potential. The point round-up makes even small purchases rewarding, making it easy to stock up on points. The card’s redemption rebate also makes it easier to reach your next redem...

- Thomas (TJ) Porter, MyBankTracker

The Citi Rewards+ Student Card is a decent card for rewarding everyday spending, but the APR is higher than average.

- Emily Sherman,


Interest Rates
Regular APR Interest Rate 14.49% ‐ 24.49% (Variable) (0% for the first 7 months)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 14.49% ‐ 24.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 4%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus 2500 points after spending $500

On purchases within the first 3 months.

All Purchases 1 point per $1 spent
Restaurants No
Gas 2 points per $1 spent (on first $6000 spent)
Groceries 2 points per $1 spent (on first $6000 spent)
Hotels No
Travel No
Pharmacy No
Bills No
Additional Details

- Round Up to the nearest 10 points on every purchase — with no cap

- 10% Points Back for the first 100,000 Points you redeem per year

Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty Yes
Purchase Protection No
Zero Liability No
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection No
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Google Pay
Virtual Cards Yes
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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