Citi Forward for College Students Credit Card - Review | finder.com

Citi Forward® Card for College Students

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Please note: This card has been discontinued, and it is not available on our site.

Compare similar credit cards and find the best option for you.

Compare other student credit cards

Updated October 17th, 2018
Name Product Annual Fee Credit Score Min. Intro Balance Transfer APR Reward Value per Dollar Secured or Unsecured APR (Annual Percentage Rate) for Purchases Welcome Offer Interest Free Period
680
1
Unsecured
20.49% variable
Up to 23 days
Designed for college students to build credit history and earn rewards.
39
620
Unsecured
24.99% variable
Up to 23 days
Designed to help build credit history with no deposit required and access to benefits.
690
1
Unsecured
16.24% to 26.24% variable
Up to 23 days
Earn 2,500 bonus points after spending $500 within the first 3 months of account opening.
620
0%
1
Unsecured
13.15% to 23.15% variable
Up to 25 days
3% cash rewards on gas, grocery, drugstore for first 6 months, 1% cash rewards on virtually all other net purchases.
1
Unsecured
26.99% variable
Up to 25 days
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
620
10.99%
1
Unsecured
14.99% to 23.99% variable
Up to 25 days
Earn5 cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate. Plus unlimited 1 cash back on all other purchases.
680
10.99%
1
Unsecured
14.99% to 23.99% variable
Up to 25 days
2% cash back on gas and dining. 1 on all other purchases.

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Reasons to consider the Citi Forward® Card for College Students

You can use the Citi Forward® Card for College Students like any other card, though you can expect to earn more reward points. This card offers a balance transfer option, can be used overseas and for cash advances. The $0 annual fee is a definite plus.

The nuts and bolts

  • No account-keeping fees. Don’t pay annual or monthly account-keeping fees when you use the Citi Forward® Card for College Students.
  • Interest rate determined by your credit. Once the initial 7 months interest-free period on purchases is over, the balance attracts an APR from 15.99% to 25.99% variable based on your creditworthiness. So the better your credit, the better your rate.
  • APR reduction. If you make on-time payments for three consecutive billing cycles and stay under your credit limit, your APR will reduce by 0.25%. This can happen no more than eight times and can reduce your original APR by up to 2%.
  • Reward points. Earn 2,500 bonus ThankYou® points when you join, earn 1 point for every dollar you spend, and you get 100 points each billing cycle as long as you make timely payments and don’t exceed your credit limit. You can redeem these points to buy an assortment of products and services.
  • Fees. If you opt for a balance transfer you pay per transfer $5 or 4% of the transaction, whichever is greater . For cash advances, the fee is $10 or 5% of the cash advance amount, whichever is greater .
  • Penalty fees. Late and returned payments can attract fees of up to $35.

Complimentary insurance policies

This credit card offers students extra protection through a number of free insurance options:

  • Retail purchase protection. The coverage is limited to $500 per occurrence and $50,000 per cardholder, per year.
  • Automatic travel accident insurance. This coverage protects you in the event of an accident when you’re traveling.
  • Extended warranty. Through the warranty service manager you can look forward to extending manufacturer and store warranties of three years or less by one additional year. This is limited to $10,000 or the amount charged, whichever is less.
  • Mobile phone protection. This is a supplemental reimbursement that offers a maximum reimbursement of $250.
  • Citi Price Rewind. This benefit covers purchases for 30 days. If you register your purchase with Price Rewind and the product you purchase experiences a price drop, you can receive a refund of up to $250 per product for a maximum of $1,000 per calendar year.

How to apply for the Citi Forward® Card for College Students

Always consider your options and your financial situation before you apply for a credit card.

Eligibility criteria:

  • You are at least 18 years of age.
  • You must be an existing college student.

Required documents:

  • A valid ID such as passport or driver’s licence.
  • Student ID card.
  • Employment details, if any.

Bottom line

This credit card has a number of features which make it a good option for college students. You don’t have to pay any monthly or annual fees, while its generous reward points system lets you earn every time you spend. Always explore your options to find the best card for you.

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