Citi Rewards+℠ Student Card
Citi Rewards+℠ Student Card
Learn How to Apply
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Our Take
The Citi Rewards+℠ Student Card is a solid choice for students. With easy qualification and good rewards, you're sure to get a great value.
Total Rewards
2X points
on gas and groceries
Bonus Amount
2,500 points
sign-up bonus
Annual Fee
$0
annual fee
Apr
14.49% - 24.49% (Variable) variable APR.
Fees
$0 annual fee. No authorized user fee. 3% foreign transaction fee.
Summary
The Citi Rewards+℠ Student Card is a solid rewards credit card for students.
When you're living on your own or commuting to class, gas and groceries chew up a lot of your money. The Citi Rewards+℠ Student Card rewards you for these purchases, paying 2 points per dollar on gas and groceries. You'll get 1 point per dollar spent elsewhere.
To sweeten the deal, the card even rounds all the points you earn up to the nearest 10 points. That doesn't make a monumental difference, but if you use your card a lot, every little bit counts.
You can redeem points for travel, gift cards, or for store credit at Amazon and Best Buy, making it easy to use the points. You also get a 10% rebate on the first 100,000 points you redeem every year, adding even more value.
The Citi Rewards+℠ Student Card comes with other Citi benefits, like Citi Private Pass and 24/7 customer service. For a student credit card, the Citi Rewards+℠ Student Card earns solid rewards and offers great flexibility in redemptions—and it can set you on a great path with credit.
Required Credit Score
Good 660
Pros
- 2,500 points sign-up bonus
- Earn 2 points per dollar on gas and groceries
- 10% point rebate on the first 100,000 points redeemed each year
- $0 annual fee
Cons
- High APR
- Short 0% APR period
- Can't redeem points for cash back
- High balance transfer fee
Earn, Redeem, and Optimize Your Rewards
Groceries
2 Points
Gas Stations
2 Points
Other
1 Points
Earn
Earn 2 points per dollar on gas and groceries, up to $6,000 in spending each year. Earn 1 point per dollar on all other purchases.
Redeem
- Book Travel
- Partner Transfers
- Gift Cards
Optimize
Make sure you earn the Citi Rewards+℠ Student Card's sign-up bonus, then to use the card for whenever you buy gas or groceries. That way, you'll make the most of the card's bonus categories.
In theory, you could take advantage of Citi rounding up your point earning to the nearest 10, but the pay off isn't worth the effort. Your time is likely better spent elsewhere. Just take note of how points round up.
When you redeem, use points for travel or gift cards to maximize their value, and avoid redemptions for statement credits.
Benefits
2,500 points sign-up bonus
Earn 2,500 points when you spend at least $500 in your first 90 days with the card.
2X points on gas and groceries
Earn 2X points on the first $6,000 you spend each year at gas stations and grocery stores.
Redemption rebate
Get 10% of the points that you redeem back, up to 10,000 points per year.
$0 annual fee
Build your credit and earn rewards, for a $0 annual fee.
Additional Benefits
- Fraud protection
- Citi Concierge
- 24/7 customer service
- Citi Private Pass