Citi Rewards+℠ Student Card

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Claire Dickey @ClaireDickey  in  No Annual Fee Advertising Disclosure
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Recommended Credit Score

Good (670 - 850)

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Best for students

Annual Fee:
$0
Purchase Intro APR:
0% intro for 7 months on Purchases
Regular APR:
16.74% - 26.74% (Variable)
Terms and Restrictions Apply

Bankrate Rating

Commonly used for: Points, Rewards, Student.

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The Citi Rewards+ Student Card is a no annual fee rewards option for young adults looking to build credit and earn points for everyday purchases.

You’ll enjoy a low introductory APR and a bonus for hitting the card’s qualified spending amount within your first three months of card ownership.

Here are the details

With the Citi Rewards+ Student Card, you’ll earn 2x ThankYou® Points at supermarkets and gas stations on your first $6,000 spent per year (1x point after) and 1x points on everything else.

This card offers no annual fee and an introductory 0% APR for 7 months on purchases (16.74% – 26.74% variable thereafter) so that you can pay off purchases without accruing interest for over half a year. And when you spend $500 within the first 3 months of account opening, you’ll earn 2,500 bonus points.

One of the coolest aspects of the Citi Rewards+ Student Card is its Round-Up feature, which automatically rounds your points up to the nearest 10 points on every purchase. That means a $2 sports drink could earn you 10 points. Plus, you’ll get 10% Points Back on the first 100,000 ThankYou® Points you redeem each year.

Is this card right for you?

If you’re a student looking for a simple way to build credit and earn points on everyday purchases like gas, books and coffee (without paying a pesky annual fee) the Citi Rewards+ Student Card could be a great fit.

You’ll have the option to shop with your ThankYou® Points at Amazon.com or BestBuy.com, allowing you to purchase books and technology for the semester using points.

If you enjoy concerts and other entertainment, this card comes with benefits like Citi® Private Pass®, which gets you access to purchase tickets or VIP packages to concerts, sporting events and more.

Advantages
  • 2,500-point bonus when you spend $500 in the first 3 months of account opening
  • Points are rounded up to the nearest 10
  • 10% Points Back on the first 100,000 points you redeem each year
  • 0% introductory APR for 7 months on purchases (16.74%-26.74% variable thereafter)
  • No annual fee
Disadvantages
  • Balance transfer fee of $5 or 3% of the amount of each transfer (whichever is greater)
  • Slightly higher than average APR (16.74% - 26.74% variable)

How much are the rewards worth?

The Citi Rewards+ Student Card’s 2,500 welcome bonus is worth around $25 and can actually be redeemed for a $25 gift card at thankyou.com. If you redeem your welcome bonus before hitting the 100,000-point redemption mark, you could earn back 250 points with the 10% Points Back feature.

If every week for a year you spend $32 at supermarkets (70 points with the Round-Up tool), $43 on gas (90 points with Round-Up) and $34 on miscellaneous items (40 points with Round-Up), you’d earn about 10,400 points a year, equal to $104 in rewards. Plus, when you redeem those points, you’ll earn back 1040 points.

For a more in-depth look at how to best take advantage of the rewards structure offered with the Citi Rewards+ Student Card, check out our Citi ThankYou Points guide.

How to use this card

To apply for the Citi Rewards+ Student Card, you can visit their online application. You must be 18 years or older, have a valid Social Security Number and currently be attending a college or university as an undergraduate or graduate student.

To redeem your ThankYou® Points, visit thankyou.com or call 1-800-THANKYOU. You won’t qualify for the 2,500 welcome bonus if you’ve already closed or have received a bonus for the following cards in the past 24 months: Citi Rewards+℠, Citi ThankYou® Preferred, Citi ThankYou® Premier/Citi Premier℠ or Citi Prestige®.

The bottom line

The Citi Rewards+ Student Card is a solid rewards card for young adults wanting to earn points for everyday spending. And with a 0% introductory APR for 7 months on purchases (variable 16.74% – 26.74% thereafter), no annual fee and a small welcome bonus, you’ll get a taste of what’s to come in your credit card journey.


Editorial disclosure: All reviews are prepared by Bankrate.com staff. Opinions expressed therein are solely those of the reviewer and have not been reviewed or approved by any advertiser. The information, including card rates and fees, presented in the review is accurate as of the date of the review. Check the data at the top of this page and the bank’s website for the most current information.