Citi Rewards+℠ Student Card review

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Citi Rewards+℠ Student Card

Rewards rate


Annual fee


Intro offer

2,500 points

Regular APR

14.49% - 24.49% (Variable)

Recommended Credit Score

Good to Excellent  (670 - 850)

Citi is an advertising partner

Editor’s note: Some of the offers on this page may be expired. Check out our Best Credit Cards page for the most up-to-date offers for our favorite credit cards.

The information about the Citi Rewards+ Student Card has been collected independently by The card details have not been reviewed or approved by the card issuer.

Citi Rewards+℠ Student Card Overview

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

This card offers no annual fee and an introductory zero percent APR for 7 months on purchases (15.49 percent — 25.49 percent 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.

Pros and cons


  • 2,500-point bonus when you spend $500 in the first 3 months of account opening
  • Points are rounded up to the nearest tenth
  • 10 percent Points Back on the first 100,000 points you redeem each year
  • 0% introductory APR for 7 months on purchases (15.49%-25.49% variable thereafter)
  • No annual fee


  • Balance transfer fee of $5 or 3 percent of the amount of each transfer (whichever is greater)
  • Slightly higher than average APR (15.49 percent — 25.49 percent variable)

A deeper look into the current card offer

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.

How much are the Citi Rewards+ Student Card rewards worth?

The Citi Rewards+ Student Card’s 2,500 welcome bonus is worth around $25 and can 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 1,040 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 redeem rewards

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+® Card, Citi ThankYou® Preferred or Citi Prestige®.

Bankrate’s Take: Is the Citi Rewards+ Student Card worth it?

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 your rewards.

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.