Citi Rewards+℠ Student Card Review

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Our Detailed Review of This Card

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It’s important to start building your credit history early, and a student credit card with rewards is an A+ way to do so. With the Citi Rewards+℠ Student Card by Citi (a NextAdvisor advertiser), you’ll earn extra rewards in two popular spending categories, enjoy unique rounding and redemption perks, and benefit from an intro purchase APR offer.

To start, you’ll earn 2,500 points when you spend $500 on purchases in the first 3 months from account opening. That’s an easy number to reach if you use the card to pay for your textbooks! When redeemed for a gift card at, that bonus is worth $25. As for ongoing rewards, you’ll earn 2X points at supermarkets and gas stations (up to the first $6,000/year, then 1X point). Plus, you’ll earn 1X point on all other purchases.

Your points will also benefit from the Citi Rewards+℠ Student Card‘s unique rounding benefit: every purchase made with this card automatically rounds up to the nearest 10 points, with no cap. Here’s how it works: if you purchase a small cup of coffee for $1.95, which at 1X point per $1 spent would be worth 1.95 points, your points will round up and you’ll earn 10 points on that purchase. If you spend $10.99 on lunch, which at 1X point per $1 spent would be worth 10.99 points, your points will round up to 20. The rounding even applies to purchases in the 2X points category. Say you pay $42 for your weekly groceries. At the 2X points rate, that would earn you 82 points. However, it’ll automatically round up and you’ll earn 90 points on your grocery purchase.

The perks don’t stop there. When you redeem your points, you’ll get 10% back for the first 100,000 points you redeem per year and, through Citi Private Pass, you’ll have special access to purchase tickets for thousands of events, complimentary movie screenings and more.

New to credit cards and afraid of having to pay interest on your balance? The Citi Rewards+℠ Student Card gives you time to get used to managing your balance with a 7-month 0% intro APR on purchases (then it’s 14.49% - 24.49% (Variable)) . Plus, the Citi Rewards+℠ Student Card charges no annual fee. You should, however, take note that this card requires good credit. That’s usually a credit score of 700 or higher, and not something you are likely to have as a new credit card user. This means that you’ll probably need a cosigner to be approved for this card.


  • 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
  • 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.
  • Get 10% Points Back for the first 100,000 ThankYou® Points you redeem per year.

Redeem Rewards

  • Redeem points for gift cards to popular stores, to shop online at or, for student loan payments, for travel, as a charitable donation, as a statement credit to cover recent purchases in eligible categories and more.
  • 2,500 points are redeemable for a $25 gift card.
  • There is no limit to the amount of points you can redeem per year.

Fees and APR

  • Annual Fee: $0
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0% intro for 7 months on Purchases — after that, it’s 14.49% - 24.49% (Variable).
  • Balance Transfer APR: 14.49% - 24.49% (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.
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Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through the credit card issuer Affiliate Program.