The Citi Rewards+ Student Credit Card, the Citi student credit card, offers a solid suite of rewards and perks. While the card earns 2X points at gas stations and grocery stores and just 1X point on everything else, it still beats the majority of student credit cards because it earns any points in the first place. That it comes with other perks is just gravy.

The card’s biggest downside is its lowly sign-up bonus. Even so, the Citi Student Credit Card is a great choice for a lot of college students. You should still try the CardCruncher tool to make sure it’s the right card for you. But read on to find out everything you need to know about the Citi Student Credit Card.

Citi Rewards+ Student Credit Card Highlights

Heres a brief overview of the main features of the Citi Student Credit Card:

Annual Fee:$0

APR:0% for 7 months, then 16.49% to 26.49% Variable

Sign-Up Bonus:2,500 points

Benefits:

  • Earn 2x points per dollar at supermarkets and gas stations on up to $6,000 per year
  • Earn 1x point per dollar on all other purchases
  • Round your earnings up to the nearest 10 points for each purchase
  • 10% rebate on the first 100,000 points redeemed each year
  • Citi Private Pass

Citi Student Credit Card Minimum Payment:

Any past due amount, plus any over limit amount, plus the greater of:

  • The new balance, if the new balance is less than $25
  • $25, if the new balance is $25 or more
  • 1% of the new balance, rounded to the nearest dollar, plus any interest charges and late fees
  • 1.5% of the new balance, rounded to the nearest dollar

Citi Student Credit Card Fees:

  • Up to $39 for late payments
  • Up to $39 for returned payments

Why Apply for the Citi Rewards+ Student Credit Card

There are a number of reasons to consider applying for the Citi Student Credit Card.

Solid rewards with a few value adds

The Citi Student Credit Card offers 2X points per dollar at supermarkets and gas stations, plus 1X point per dollar anywhere else. This is a typical rewards rate for a credit card, but a few unique features make this card’s rewards earning better. For example, the Citi Student Credit Card boosts your rewards by rounding up each purchase’s earnings to the next 10 points. So, for example, if you spend $22 on groceries, you’ll earn 50 points (22 x 2 = 44).

The card also offers a 10% rebate on your first 100,000 points, meaning you’ll stretch your points even further.

Exclusive event access with Citi Private Pass

Citi offers access to exclusive music, sporting, dining, and theater events through the Citi Private Pass program. You’ll be able to buy tickets to some of the hottest shows before they go on sale to the public. Normally, access to such a program comes with premium credit cards. Those cards also charge annual fees for the privilege. Seeing how the Citi Student Credit Card has an annual fee of $0, that’s a great deal.

Citi Rewards+ Student Credit Card: Drawbacks and Downsides

There are some drawbacks to think about before you apply for the Citi Student Credit Card.

Point values vary based on redemption

Knowing the exact value of credit card points can be difficult compared to simple cash back. For example, redeeming a point for a statement credit often results in that point being worth less than if you redeemed it to book travel. With the Citi Student Credit Card, you’ve got a few different options for redeeming your points—and each comes with a different point valuation.

Poor sign up bonus

Credit card sign-up bonuses can often give you a pile of cash or points—often 30% back or more on your initial spending. Unfortunately, the Citi Student Credit Card offers a paltry sign-up bonus of  2,500 points for spending $500. 2,500 points are worth roughly $25, giving the sign up bonus an effective rewards rate of just 5%.

Citi Rewards+ Student Credit Card Alternatives

If you’re thinking about applying for the Citi Rewards+ Student Credit Card, consider these alternatives.

Bank of America Cash Rewards Credit Card for Students

If you want to earn cash back, instead of more complicated points, consider the Bank of America Cash Rewards Credit Card for Students. This card comes with a healthy sign-up bonus of $200 online cash rewards after $1,000 of purchases in first 90 days after you spend $500 in the first 90 days. It also pays 3% cash back on a category of your choice, plus 2% on grocery and wholesale club purchases, and 1% on all other purchases. You can easily redeem cash back for a statement credit, or deposit to your Bank of America checking or savings account.

Bank of America Travel Rewards Credit Card for Students

If you’d rather have a credit card that offers rewards that you can redeem towards travel, consider applying for the Bank of America Travel Rewards Credit Card for Students. This card offers a hefty sign-up bonus of 25,000 points when you spend $1,000 in your first 90 days. That could easily pay for a round-trip flight. You’ll also earn 1.5 points per dollar, plus a 10% bonus if you have a Bank of America checking or savings account. If you spend consistently and want to pay for travel with your rewards, this is an easy choice.

Citi Rewards+ Student Credit Card FAQs

Here are some of the most common questions that people have about the Citi Student Credit Card.

How do I apply for a Citibank credit card online?

Applying for any Citibank credit card, including the Citi Student Credit Card, is easy. Simply visit Citi’s website and navigate to Citi’s credit card site. Choose the card you’re interested in, and click the “Apply” button. You’ll have to fill out a simple form. Citi will either give you an immediate decision, or tell you to wait for a decision in the mail.

How do I pay my Citibank credit card bill online?

The first step to paying your Citibank credit card bill online is to create an online account. You’ll have to create a username and password and provide your card number. Then, you’ll have to link your checking account to your Citibank account. Once you’ve done that, you’ll see the option to make a payment when you log in to your account. You can pay your bill in full, make just the minimum payment, or pay any amount in between.

Bottom Line: Should You Apply for the Citi Rewards+ Student Credit Card?

The Citi Student Credit Card offers decent rewards for students. Although it has a weak sign-up bonus and it can be difficult to value your points, the points round up and redemption rebate features help make the card a little more valuable. The card’s additional perks, like Citi Private Pass, make this card a good choice for many students. If you’re considering this card, it’s certainly worth comparing cards with the CardCruncher tool. That way, you’ll find the best rewards for how you already spend your money.

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