Citi Rewards+℠ Student Card

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Recommended Credit Score

Good (670 - 850)

A FICO score/credit score is used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any financial product.

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Best for students

Annual Fee:
Purchase Intro APR:
0% intro for 7 months on Purchases
Regular APR:
16.49% - 26.49% (Variable)
Terms and Restrictions Apply

Bankrate Rating

Commonly used for: Points, Rewards, Student.

Partner Offer

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 (16.49% – 26.49% 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 or, 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.

  • 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 (16.49%-26.49% variable thereafter)
  • No annual fee
  • Balance transfer fee of $5 or 3% of the amount of each transfer (whichever is greater)
  • Slightly higher than average APR (16.49% - 26.49% 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 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 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, 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 16.49% – 26.49% thereafter), no annual fee and a small welcome bonus, you’ll get a taste of what’s to come in your credit card journey.