Citi Rewards+℠ Student Card review

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Advertiser Disclosure

Interest Rate: Purchases
16.24% ‐ 26.24% (Variable) (0% for the first 7 months)
Balance Transfer
16.24% ‐ 26.24% (Variable) (0% for the first 7 months)
Rewards
1 - 2 points
Signup Bonus
2500 points (after spending $500)


8/10
Informr score
The Citi Rewards+℠ Student Card currently has an Informr score of 8 out of 10. This score is based on our evaluation of 6 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...


Compare Cards

This card starts off with a nice sign up bonus. Get 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com. The everyday rewards rate is solid: earn 2X ThankYou® Points at Supermarkets and Gas Stations fo...

- Compare Cards
Cardcruncher

The Citi Rewards+℠ Student Card rewards you for these purchases, paying 2 points per dollar on gas and groceries. You'll get 1 point per dollar spent elsewhere. The Citi Rewards+℠ Student Card comes with other Citi benefits, like Citi Private Pass and 24/7 customer service. For a student credit card...

- Cardcruncher
ValuePenguin

A decent credit card for college students who own a car, cook at home and make a lot of small purchases. However, if you eat in the school dining hall and you don't drive to campus, this Citibank student credit card might not be the best choice for you.

- Daniel Caughill, ValuePenguin
Finder

Students looking to earn rewards at restaurants, gas stations and on small transactions, could find the Citi Rewards+ Student Card to be a great choice. You get to earn accelerated points on these purchases and you get points back when you redeem for rewards. All of this, and you can save money with...

- Finder
NextAdvisor

It's important to start building your credit history early, and a student credit card with rewards is an A+ way to do so. With the Citi Rewards+ Student Card, you'll earn extra rewards in two popular spending categories, enjoy unique rounding and redemption perks, and benefit from a 0% intro purchas...

- NextAdvisor

Details


Interest Rates
Regular APR Interest Rate 16.24% ‐ 26.24% (Variable) (0% for the first 7 months)

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

Balance Transfer Interest Rate 16.24% ‐ 26.24% (Variable) (0% for the first 7 months)

- Intro rate applies on balances transferred within the first 2 months of account opening.

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

Cash Advance Interest Rate 26.99% (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 $39.00

Maximum

Promotions
Sign up bonus 2500 points after spending $500

On purchases within the first 3 months.

Rewards
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, Android Pay
Eligibility
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
More
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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Critic Reviews


Compare Cards

Solid everyday rewards rate

Compare Cards

This card starts off with a nice sign up bonus. Get 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com. The everyday rewards rate is solid: earn 2X ThankYou® Points at Supermarkets and Gas Station...More

This card starts off with a nice sign up bonus. Get 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at thankyou.com. The everyday rewards rate is solid: earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchase

Read full review

Less

Cardcruncher

A solid choice for students

The Citi Rewards+℠ Student Card rewards you for these purchases, paying 2 points per dollar on gas and groceries. You'll get 1 point per dollar spent elsewhere. The Citi Rewards+℠ Student Card comes with other Citi benefits, like Citi Private Pass and 24/7 customer service. For a student cre...More

The Citi Rewards+℠ Student Card rewards you for these purchases, paying 2 points per dollar on gas and groceries. You'll get 1 point per dollar spent elsewhere. The Citi Rewards+℠ Student Card comes with other Citi benefits, like Citi Private Pass and 24/7 customer service. For a student credit card, the Citi Rewards+℠ Student Card earns solid rewards and offers great flexibility in redemptions—and it can set you on a great path with credit.

Read full review

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ValuePenguin

Great card for students who spend on gas and groceries

from ValuePenguin

A decent credit card for college students who own a car, cook at home and make a lot of small purchases. However, if you eat in the school dining hall and you don't drive to campus, this Citibank student credit card might not be the best choice for you.

Read full review

A decent credit card for college students who own a car, cook at home and make a lot of small purchases. However, if you eat in the school dining hall and you don't drive to campus, this Citibank student credit card might not be the best choice for you.

Read full review

Less

Finder

Build credit while taking advantage of a unique rewards feature

Students looking to earn rewards at restaurants, gas stations and on small transactions, could find the Citi Rewards+ Student Card to be a great choice. You get to earn accelerated points on these purchases and you get points back when you redeem for rewards. All of this, and you can save money w...More

Students looking to earn rewards at restaurants, gas stations and on small transactions, could find the Citi Rewards+ Student Card to be a great choice. You get to earn accelerated points on these purchases and you get points back when you redeem for rewards. All of this, and you can save money with a purchase intro APR and Citi card benefits.

Read full review

Less

NextAdvisor

Enjoy unique rounding and redemption perks

It's important to start building your credit history early, and a student credit card with rewards is an A+ way to do so. With the Citi Rewards+ Student Card, you'll earn extra rewards in two popular spending categories, enjoy unique rounding and redemption perks, and benefit from a 0% intro purc...More

It's important to start building your credit history early, and a student credit card with rewards is an A+ way to do so. With the Citi Rewards+ Student Card, you'll earn extra rewards in two popular spending categories, enjoy unique rounding and redemption perks, and benefit from a 0% intro purchase APR offer. Your points will also benefit from the Citi Rewards+ Student Card's unique rounding benefit: this card automatically rounds up to the nearest 10 points on every purchase, with no cap.

Read full review

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CreditCards.com

Decent rewards rate, unique round up feature

from CreditCards.com

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

Read full review

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

Read full review

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User Reviews


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