Citi Rewards+℠ Student Card | CreditShout

Citi Rewards+℠ Student Card

Citi Rewards+℠ Student Card


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The Citi Rewards+℠ Student Card has a number of great perks that you can begin taking advantage of right away. If you’re a student that makes a lot of small purchases throughout the month, you may want to check this card out.  

The Citi Rewards+℠ Student Card has a rounding up feature, meaning it goes to the nearest 10 points without any cap. While you’d have to use it a lot to really rack up the points, it does allow you to earn more points this way.

As a reward student credit card, the benefits are average. Unlike many student cards on the market, this one requires you to have good credit, so it could be out of reach for many of you that don’t have high credit scores. Is it worth getting? You be the judge, let’s cover everything you need to know.

Citi Rewards+℠ Student Card Overview

Credit Card Type: Student Card

Annual Fee: $0

Sign-Up Bonus/Offer: Yes – Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening; redeemable for a $25 gift card at

Recommended Credit Score: 670 and Higher

Foreign Transaction Fee: 3%

Balance Transfer Fee: 3% (min $5)

Rewards: Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter; Earn 1X Points on All Other Purchases.

Redemption Options: The Citi Rewards+℠ Student Card offers a variety of redemption options: travel, gift cards, statement credits (for eligible purchases only), and shopping online with points at or

Interest rate: 0% Intro APR on purchases for 7 months. 

>>Compare Student Credit Cards Here<<


Citi Rewards+℠ Student Card Benefits

Decent Ongoing Rewards: One of the main benefits of the Citi Rewards+℠ Student Card is the fact that it has decent ongoing rewards. A lot of student credit cards don’t come with rewards, so this student card already beats the majority of them. 

Reports To All 3 Credit Bureaus: If you can get approved, the card can help you build more credit. This Citi student credit card reports to all 3 credit bureaus. That would include Equifax, Experian, and Transunion.

ThankYou Points: You do get 2 ThankYou points for every $1 spent at supermarkets and gas stations (for the first $6,000 spent per year combined), and 1 point per $1 spent on all other purchases. Gas and food are two important categories for college students.

The Intro APR Offer Can Help: The card’s introductory offer can buy you some time to pay off pricey textbooks or school supplies. You’ll get an intro 0% on Purchases for 7 months. Pay off your balance in full every month once the offer expires to keep interest payments from chipping away at your rewards.

>>Compare Student Credit Cards Here<<


Citi Rewards+℠ Student Card Downfalls

Better Cards With Better Rewards:  While the rewards are solid, other cards have better rewards.  A great example of this is the Discover it® Student Cash Back credit card. This student card has a solid sign-up bonus, you do have to wait for it but it’s worth it. Even better, Discover will match all the cashback you’ve earned at the end of your first year, automatically. When you compare these 

High Foreign Transaction Fees: The Citi Rewards+℠ Student Card has a 3% foreign transaction fee internationally, so this is not a card you’d want to use traveling. Again, there’s a number of different credit cards out there that are much better in this scenario.  If you’re looking for a card that earns travel rewards but is also good to use internationally, you may want to think about getting the Bank of America® Travel Rewards Visa® credit card. It earns 1.5 points per $1 spent on all purchases, and it skips the foreign transaction fees. Even better, the Bank of America® Travel Rewards Visa® credit card has an annual fee of $0. 

About Building Your Credit: While this student card is great for building credit, the Citi Rewards+℠ Student Card requires good credit. As we’ve touched on several times in this guide, it could be tough for some of you to get approved. 

In general, students don’t have “great” credit when they’re young, which makes getting this student card tough. If you have bad credit or don’t have credit at all, you may have better chances with another student’s credit card.


Citi Rewards+℠ Student Card In Closing

There’s no question about it, students can benefit from the Citi Rewards+℠ Student Card. If you make a lot of small purchases, such as a small business or retailer, the rewards can add up quickly. If you use this credit card a lot, you’re going to be rounding up every single time. There will be scenarios where this card can be a good fit for you, especially if you’re using it for gas and supermarkets. 

You’ll get a 0% on Purchases and Balance Transfers for 7 months, which is “decent.”

With that being said, there’s a number of different downfalls that I don’t like.

As for rewards, there are better reward cards on the market. While it has some travel reward perks, you wouldn’t want to take it overseas due to the 3% foreign transaction fee. 

Overall, it’s a decent card, especially for students that spend a lot on gas and supermarkets. If you’re constantly buying spending money on those, the round-up rewards can add up. Despite that, it has a lot of drawbacks too. Should you get the Citi Rewards+℠ Student Card? That depends on the specific scenario, hopefully, we’ve given you enough feedback to make the right choice for you.

>>Compare Student Credit Cards Here<<

The editorial content on this page is not provided by any of the companies mentioned and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author's alone. Additionally, the opinions of the commenters are not necessarily the opinions of this site

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