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Citi Rewards+℠ Student Card review

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Build credit while taking advantage of a unique rewards feature.

  • Get this card if you’re a student and want to earn rewards.
  • Pick something else if you want an intro APR period on balance transfers.
  • Apply with limited or no credit history.


Points as welcome offer

Up to 2x



Annual fee


Intro Purchase APR

for the first 7 months (then 15.99% to 25.99% variable)


Product NameCiti Rewards+℠ Student Card
Card typeMastercard
Annual fee$0
Purchase APR0% intro for the first 7 months (then 15.99% to 25.99% variable)
Balance transfer APR15.99% to 25.99% variable
Balance transfer fee$5 or 4% of the transaction, whichever is greater
Cash advance rate26.74% variable
Cash advance fee$10 or 5% of the cash advance amount, whichever is greater
Penalty APR29.99% variable
Foreign transaction fee3% of the transaction value
Interest free periodUp to 23 days
Late payment feeUp to $39
Returned payment feeUp to $39

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Citi Rewards+℠ Student Card could be ideal if you’re a student who wants to earn rewards at gas stations and restaurants. With its round up feature, your spending goes even further with small purchases.

A small signup bonus with a fairly low spending requirement and an intro APR on purchases make for a solid student rewards card.

The perks

  • Signup bonus.
    Earn 2,500 ThankYou points after you spend $500 within 3 months of your account opening.
  • ThankYou points.
    Earn 2x points for your first $6,000 in purchases at supermarkets and gas stations each year. After that, and for everything else you buy, you get 1x points.
  • Round-up points.
    Small transactions can earn you more points with the Citi Round Up feature. Every purchase is rounded up to the nearest 10 points — so $2 will earn you 10 points instead of two points.

You’ll also like

  • No annual fee.
    Earn unlimited ThankYou points without paying an annual fee.
  • Intro APR on purchases.
    Get a 0% intro APR period on purchases for your first 7 months of card membership. Once the intro period passes, your APR reverts to variable 15.99% to 25.99%.
  • Points back.
    For the first 100,000 points you redeem in a year, get 10% back.
  • Citi benefits.
    —Access to presale tickets and VIP packages with the Citi Private Pass.
    —Hard-to-counterfeit EMV chip card.
    —Assistance when traveling, making dining arrangements or purchasing event tickets with Citi concierge.
    —Add your credit card to your digital wallet and simplify your purchases.

What to watch out for

  • Signup bonus eligibility.
    If you’ve owned another ThankYou rewards credit card in the past 24 months or currently own one and you earned a signup bonus, you won’t be eligible for the Citi Rewards+℠ Student Card signup bonus.
  • No intro APR period on balance transfers.
    The card only offers an intro APR period on purchases, but not on balance transfers.
  • Penalty APR.
    You can end up with a penalty APR of up to 29.99% variable if you make one late or returned payment. Make sure to avoid this, or you could be stuck with the penalty APR indefinitely.
  • Foreign transaction fee.
    This may not be a good card for traveling abroad, as you’ll pay a fee up to 3% of each transaction you make.

Compare student credit cards

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.99% variable
Earn 1% cash back on all purchases or get 1.25% cash back for months you pay on time.
14.74% to 25.74% variable
Build your credit with no fees: Apply if you're new to credit or have a fair to good score.
26.99% variable
Get unlimited 1.5% cash back on every purchase with no limit on how much you can earn, and no changing categories.
26.99% variable
A no-annual-fee card for average credit. Earn a higher credit line after five on-time payments.
20.24% variable
Designed for college students to build credit history and earn rewards.

Compare up to 4 providers

Bottom line

If you’re a student looking to earn rewards at restaurants, gas stations and on small transactions, you could find the Citi Rewards+℠ Student Card to be a great choice. You get to earn accelerated points on these purchases and you get points back when you redeem for rewards. You could also save money with a purchase intro APR and Citi card benefits.

But if you think another credit card could work better for you, compare other student card options.

Frequently asked questions

Images: Citi

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  1. Default Gravatar
    June 26, 2019

    If I am not a student can I get a citi rewards+ student card from Citibank?

    • AvatarStaff
      June 27, 2019

      Hi Felipe,

      Thanks for contacting Finder.

      I’m afaraid that the Citi Rewards Student Card is only exclusive to students. You may want to check out this page to shop for other Citi Rewards Card.

      Hope this helps.

      Please feel free to contact us at any time if any other questions arise.

      Kind Regards,

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