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

Citi Forward® for College Students Credit Card

Note: This card is no longer offered.

Earn bonus points with the Citi Forward® for College Students credit card.

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The Citi Forward® for College Students credit card is designed for college students 18 and older and offers multiple benefits. It offers reward points when you join, and each time you use the card. Plus, it give you rewards for paying your bill on time and staying under your credit limit.

Reasons to consider the Citi Forward

You can use the Citi Forward® 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 p.a. 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.
  • Interest rate determined by your credit. Once the initial 7 months interest-free period on purchases is over, the balance attracts an APR from 13.99%–23.99% 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 1.00 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. For cash advances, the fee is $10 or 5% per cash advance.
  • 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.

Compare other Citi credit cards

Rates last updated April 25th, 2018
Name Product APR for Purchases ( Purchase Rate ) Intro APR for Balance Transfer Annual fee Product Description
Citi® Double Cash Card
14.74% to 24.74% variable
0% Intro APR for 18 months (with the amount of each transfer, $5 or 3% balance transfer fee)
$0
Earn 1% cash back for payments on purchases, on top of the 1% cash back on purchases. No annual fee.
Citi ThankYou® Preferred Card
14.74% to 24.74% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($0 thereafter)
Enjoy our low intro APR for 15 months on purchases and balance transfers.
Citi® Secured Mastercard®
23.74% variable
$0
Start building credit for tomorrow with a secured credit card.
AT&T Access Card from Citi
15.24% to 24.24% variable
$0
Get rewarded for purchases you're already making with the AT&T Access Card, a top rewards credit card from Citi. Apply for the AT&T credit card today and start earning ThankYou® Points redeemable for gift cards, travel rewards electronics and much more.
Citi Simplicity® Card
15.24% to 25.24% variable
0% Intro APR for 18 months from date of first transfer; completed within 4 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
Citi Prestige® Card
16.99% to 24.99% variable
$450 for the primary cardmember
Complimentary 4th night stay at any hotel of your choice after a minimum 4-consecutive night booking through ThankYou.com
Costco Anywhere Visa® Card by Citi
16.49% variable
$0
Earn Costco cash rewards everywhere Visa® is accepted.
Citi® Diamond Preferred®
14.24% to 24.24% variable
0% Intro APR for 21 months (with whichever is greater, $5 or 5% balance transfer fee)
$0
Lowest intro APR for 21 months plus VIP Access.
Citi® / AAdvantage® Executive World Elite™ Mastercard®
16.99% to 24.99% variable
$450
Earn 50000 American Airlines AAdvantage® bonus miles after making $5,000 in purchases within the first 3 months of account opening.
Citi® / AAdvantage®  Platinum Select®  World Elite™ Mastercard®
17.24% to 25.24% variable
$0 annual fee for the first year ($95 thereafter)
Earn 60000 AAdvantage® bonus miles after you spend $3,000 in the first 3 months.
Citibank AT&T Universal Savings and Rewards Card
13.99% to 23.99% variable
0% Intro APR for 12 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Earn 10000 bonus ThankYou Points after spending $500 in your first 3 months.
Citibank AT&T Universal Savings Platinum Card
13.99% to 23.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0
Citi ThankYou® Preferred Card for College Students
15.74% to 25.74% variable
$0
Earn 2500 bonus points after spending $500 within the first 3 months of account opening.
Citi Gold / AAdvantage World Mastercard
16.99% to 24.99% variable
0% Intro APR for 15 months (with whichever is greater, $5 or 3% balance transfer fee)
$0 annual fee for the first year ($50 thereafter)
Earn 25000 American Airlines AAdvantage® bonus miles after you spend $750 in purchases within the first 3 months of account opening.
Citi ThankYou® Premier Card
15.74% to 24.74% variable
$0 annual fee for the first year ($95 thereafter)
Enjoy Great Rewards and Earn ThankYou® Points on Dining, Entertainment, Travel and more

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How to apply for the Citi Forward® for College Students credit card

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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