Citi Forward® Card for College Students
5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
APR: 13.99%-23.99%* (Variable)
Default APR: 29.99%
Cash Advance APR: 25.24%
Intro APR Promotions
0% Intro APR for 7 months on Purchases
- No Cosigner required
- 5 ThankYou® Points for every $1 you spend at restaurants and on entertainment; 1 point per $1 on all other purchases.
- APR reduction on purchases when using credit wisely
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line.
- Qualify w/ average credit
- No annual fee
The Citi Forward® Card for College Students offers 5 points per $1 spent where it counts for college students: dining, books and textbooks, movies, and music. This makes it the best rewards card out there for college students.
The Citi Forward® Card for College Students also offers a 1,000 point bonus for signing up, if you sign up for paperless billing in the first 3 months, and no annual fee. They also reward you 100 points each month if you pay on time and stay under your credit line. These 100 points per month are not included in the 75,000 point cap.
The only gripe is that Citi ThankYou Points are annoyingly hard to redeem at 1 cent per point. You have to save up 10,000 points to get a $100 retail gift card at a limited number of merchants. If you can't wait for 10,000 points, expect to get a bit less than 1 cent per point - you can redeem 6,000 points for a $50 gift card at a very wide selection of restaurants and stores.
As of October 2011, Citi has improved their point redemption options! You can now redeem 2,500 points for a $25 retail gift card at a reasonable number of retailers.