Citi Rewards+® Student Card, Citi Custom Cash℠ Card, Citi Diamond Preferred® Card, Citi ThankYou® Preferred Card for Students, and many other Citibank credit cards for students help them build their credit even if they have low or no credit history. These credit cards do not charge any annual fee for students, provide a sign-in bonus, and offer low interest rates in the starting period.
Summary TLDR
Top 7 Citibank Credit Cards for Students to Build Credit [2025]
| S. N. | Name of Citibank Credit Cards for Students to Build Credit | Best Known & Value for |
| 1. | Citi Rewards+® Student Card | Citibank Credit Card Best Known For 0 Annual Fee |
| 2. | Citi Custom Cash℠ Card | Citibank Credit Card Best Known For Cashback Rewards |
| 3. | Citi Diamond Preferred® Card | Citibank Credit Card Best Known For 0% Intro APR on Balance Transfers |
| 4. | Citi ThankYou® Preferred Card for Students | Citibank Credit Card Best Known For Rewards on Dining and Entertainment |
| 5. | Citi® Secured Mastercard | Citibank Credit Card Best Known For Credit Building |
| 6. | Citi Double Cash® Card | Citibank Credit Card Best Known For Best flat-rate Cashback |
| 7. | Citi Simplicity® Credit Card | Citibank Credit Card Best Known For Avoiding Additional Fees |
Best Citibank Credit Cards for Students to Build Credit for [March 2025]
1. Citi Rewards+® Student Card
The Citi Rewards+® Student Card helps students build credit by verifying their enrollment in an educational institution. It allows students to earn various reward points on travel, online shopping, hotel bookings, car rentals, and many more.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Fair-Good | ||
| Intro APR | 0% for 7 months | ||
| Regular APR | 18.24%-28.24% | ||
| Sign In Bonus | 2,500 points after $500 spent in 3 months | ||
| Balance Transfer | 18.24%-28.24% | ||
| Best For | Students Credit Builders |
The Citi Rewards+® Student Card, issued by Citibank, is designed for students who want to build their credit while earning rewards. This card offers 2X ThankYou® Points at supermarkets and gas stations, up to an annual limit of $6,000, and 1X point on all other purchases. A key feature of this card is its automatic point round-ups to the nearest ten, which helps users maximize their everyday spending.
This card has no annual fee and is available for individuals with a fair credit score. Students usually receive a lower initial credit limit. While it does not offer a referral program, it provides benefits such as purchase protection, fraud alerts, and early access to Citi entertainment events.
Key Features:
- No Annual Fee
- Student Rewards
- Round-Up Points
- Best Citi Card for Students
Reward Rate:
- Round-up rewards to the nearest 10 points
- 2x points at supermarkets & gas
Other Information:
- 3% International Transactional Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi Rewards+® Student Card
| Pros | Cons |
|---|---|
| The annual fee payment is not required. | Card charges up to 3% International transactional fee. |
| The card round-up feature enhances small purchases by rounding them up by 10 points. | The card might have low-value cashback redemption. |
| Allows students to build their credit easily. | The card may charge a penalty APR if the payment gets delayed or if it is returned. |
| Provide free access to their FICO score. | – |
Expert Advice:
The Citi Rewards+® Student Card was designed to help students who want to build their credit. It allows students with low or no credit history to build a positive credit by applying for the Citi Rewards+® Student Card, which offers a 0% intro APR for 7 months and does not charge any annual fee. Citibank student cards allow students to earn various reward points such as 5X reward points on hotel and car rentals, 2X at supermarkets and gas stations, and many more reward points.
2. Citi Custom Cash℠ Card
The Citi Custom Cash℠ Card helps students in building credit who have a negative or no credit history. It enables students to earn various reward points on travel, online shopping, hotel bookings, car rentals, and more.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 15 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | $200 cash back after $1,500 spent in 3 months | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Everyday Users *High Spenders |
The Citi Custom Cash℠ Card, issued by Citi, is perfect for category-specific spending. Its best feature is earning 5% cashback on your top eligible spending category each month. It benefits users by maximizing rewards in their most-used credit card.
The card has no annual fee. Its unique feature is the rotating 5% cashback category. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers introductory APR on purchases and balance transfers.
Key Features:
- No Annual Fee
- Custom Rewards
- Provides 5% cashback
- Great for those with varying expenses
- Dynamic cashback adapts to spending
Reward Rate:
- 5% cash back on the highest spending category (up to $500 per billing cycle)
- 1% on all else
Other Information:
- Charges 3% International Transactional Fee
- Charges 5% or $10 as cash advance fee
Pros & Cons of Citi Custom Cash℠ Card
| Pros | Cons |
|---|---|
| Applies 5% cash back to your highest spending category each month. | It may not help to earn several rewards as other cards do. |
| No annual fee for the card. | The card charges a 3% international transaction fee. |
| Allows pooling your points with other eligible Citi cards. | The card only offers a single bonus category on every billing cycle. |
| Provides free access to your monthly FICO score. | – |
Expert Advice:
The Citi Custom Cash℠ Card is useful for students who want to build their credit. It allows students to build positive credit with the Citi Custom Cash℠ Card, which offers a 0% intro APR on purchases and balance transfers and no annual fee on the card. Citibank credit cards for students provide 5% cashback on top eligible spend categories and 1% cashback on other purchases, and it also provides an additional 4% cashback on hotels, car rentals, and many more travel offers. Citi Custom Cash℠ Card charges $0 liability on unauthorized charges.
3. Citi® Diamond Preferred® Card
The Citi® Diamond Preferred® Card helps students who have a negative or no credit history build credit. It enables students to check their FICO score for free, and they also get Mastercard® ID Theft Protection™ without any additional charges.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 12 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | N/A | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Balance Carriers *Low-Interest Seekers |
The Citi® Diamond Preferred® Card, issued by Citi, is great for balance transfers. Its best feature is a long introductory APR period. It benefits users by reducing interest costs on existing balances, making it a smart choice for debt management.
The card has no annual fee. Its unique feature is a 0% introductory APR on balance transfers. The credit limit varies. A good credit score (670+) is required. No referral program, but it offers Citi Entertainment access and fraud protection.
Key Features:
- No Annual Fee
- Best for Balance Transfers
- 0% APR for 21 months on Balance Transfers
Reward Rate:
- N/A
Other Information:
- Charges 3% International Transaction Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi® Diamond Preferred® Card
| Pros | Cons |
|---|---|
| It has no annual fees. | It does not offer any cashback or points on spending. |
| It offers flexible due dates to the cardholders. | It charges a fee for international transaction fee up to 3%. |
| It provides free access to FICO scores. | Charges high fees for cash advances. |
Expert Advice:
The Citi® Diamond Preferred® Card is useful for students who want to start building their credit. It allows students to build positive credit with the Citi® Diamond Preferred® Card, which offers a 0% intro APR for 12 months on purchases, 0% APR for 21 months on balance transfers, and no annual fee on the card. Citi® Diamond Preferred® Card charges $0 liability on unauthorized charges and offers students to check their FICO score for free.
4. Citi ThankYou® Preferred Card for Students
The Citi ThankYou® Preferred Card for Students assists students in building credit, even with a negative or no credit history. It provides access to to Citi Entertainment® and offers reward points to the student for dining and entertainment.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Fair-Good | ||
| Intro APR | 0% for 7 Months | ||
| Regular APR | 21.24%–28.24% | ||
| Sign In Bonus | 2,500 points after $500 spent in 3 months | ||
| Balance Transfer | 21.24%–28.24% | ||
| Best For | *Students *First-Time Users |
Citi ThankYou® Preferred Card for Students is a student-friendly credit card that earns upto 2X ThankYou® Points on dining and entertainment, which makes it a great choice for college students. Issued by Citi, it has no annual fee and helps build credit while offering rewards on everyday spending.
It requires a fair credit score (650+). There’s no referral program, but responsible use can lead to a credit limit increase. Extra perks include purchase protection and access to Citi Entertainment®.
Key Features:
- No Annual Fee
- Student Rewards
- Travel Benefits
- It offers Bonus Points
- Best Citi Credit Card for Students
Reward Rate:
- 2x points on dining & entertainment
- 1x points on all else
Other Information:
- Charges 3% International Transaction Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi ThankYou® Preferred Card for Students
| Pros | Cons |
|---|---|
| It does not charge any annual fees. | It does not offer any cashback. |
| It provides reward points to the students for dining and entertainment. | Requires the source of income to apply for the card. |
| It offers a sign-up bonus to the students. | It may charge a variable penalty APR of upto 29.99%. |
Expert Advice:
The Citi ThankYou® Preferred Card for Students is useful for students who want to build a positive credit history. It offers sign-up bonus points to the students, a 0% intro APR for 7 months, and no annual fee on the card. Citi ThankYou® Preferred Card for Students provides reward points to students in dining and entertainment categories such as concerts, tourist attractions, video game stores, and sporting.
5. Citi® Secured Mastercard
The Citi® Secured Mastercard helps students build a credit history without needing a credit score. It enables students to manage their credit with the help of auto pay and account alerts. It also allows students to check their FICO score for free.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Poor-Fair | ||
| Intro APR | N/A | ||
| Regular APR | 26.74% | ||
| Sign In Bonus | N/A | ||
| Balance Transfer | 26.74% | ||
| Best For | *Credit Builders *Beginners *Bad Credit |
Designed for those looking to build or rebuild credit, the Citi® Secured Mastercard requires a refundable security deposit and helps establish a positive credit history. Issued by Citi, this card reports to all three major credit bureaus, making it an effective tool for improving credit scores over time.
The card has no rewards program but charges a $0 annual fee. The security deposit sets the credit limit (minimum $200). No referral program exists, but responsible use can lead to an upgrade to an unsecured Citi card.
Key Features:
- No Annual Fee
- Easy to Use
- Best Citi Secured Card for Credit Building
- Allows Cardholders to Choose Payment Dates
Reward Rate:
- No rewards, but it helps build credit responsibly
Other Information:
- Charges 3% International Transaction Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi® Secured Mastercard
| Pros | Cons |
|---|---|
| This card does not charge any additional costs, such as an annual fee. | It requires a minimum of $200 as a security deposit. |
| It allows cardholders to choose their own payment dates. | It does not provide any reward. |
| It provides free access to FICO scores. | It charges a high APR. |
| – | It charges International transaction fees and cash advance fees. |
Expert Advice:
The Citi® Secured Mastercard is useful for students to build a positive credit history. This card does not charge any annual fee and allows students to choose their preferred payment dates. Citi® Secured Mastercard charges $0 liability on unauthorized charges and offers students to check their FICO score for free. It also provides Mastercard® ID Theft Protection™ without any additional charges.
6. Citi Double Cash® Card
The Citi Double Cash® Card helps students build their credit by offering them opportunities to make purchases and payments, which helps them to build a credit history. Getting rewards on every full balance payment can help students manage their spending habits.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 18 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | N/A | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Everyday Users *Budget-Conscious *Credit Builders *Online Shoppers |
The Citi Double Cash® Card, which is issued by Citi, provides an easy and rewarding cashback program. Its standout feature is the ability to earn 2% cashback (1% on purchases and an additional 1% when payments are made). With no category restrictions, this card is a versatile option for everyday spending.
The card has no annual fee. Its unique feature is the ability to earn cashback twice. The credit limit depends on creditworthiness. A good credit score (670+) is required. No referral program, but it offers balance transfer options and fraud protection.
Key Features:
- Best for Flat-Rate Cashback
- No Annual Fee is Charged
- Simple and Easy-to-Use Cashback
Reward Rate:
- 2% Unlimited cashback (1% on purchases, 1% on payments)
Other Information:
- The cash advance fee is 5% or $10
- Charges 3% International Transaction Fee
Pros & Cons of Citi Double Cash® Card
| Pros | Cons |
|---|---|
| Offers Cashback of about 2% to its users on every purchase. | The full balance needs to be paid to get the full reward payment. |
| It does not have any intro balance transfer fee. | A 3% transaction fee makes this card a poor choice for cardholders. |
| It does not charge any annual fee. | – |
| $200 initial rewards bonus. | – |
Expert Advice:
The Citi Double Cash® Card is an ideal option for students who have a 0 or low credit history and are looking to build their credit. It charges 0 annual fee and 0% intro APR for 18 months, which offers low interest rates to the students in the starting 18 months. It also provides 2% cashback (1% when you buy and 1% when you pay) to the students on every purchase they make.
7. Citi Simplicity® Credit Card
The Citi Simplicity® Card helps students build their credit by offering them opportunities to avoid additional fees such as late fees, annual fees, or penalty fees. It offers low intro APR to the cardholders.
Credit Building for Students
| Issuer | Citibank | ||
| Payment Gateway | MasterCard | ||
| Credit Score | Good-Excellent | ||
| Intro APR | 0% for 12 months | ||
| Regular APR | 19.24%-29.24% | ||
| Sign In Bonus | N/A | ||
| Balance Transfer | 19.24%-29.24% | ||
| Best For | *Balance Carriers *Budget Conscious |
The Citi Simplicity® Card, issued by Citi, is designed for simplicity and convenience. Its best feature is no late fees or penalty APRs. It benefits users with a straightforward approach to credit, making it ideal for those seeking stress-free financial management.
The card has no annual fee. Its unique feature is no late fees ever. The credit limit depends on creditworthiness. A fair to good credit score (580+) is required. No referral program, but it offers a long introductory APR period on purchases and balance transfers.
Key Features:
- No Annual Fee
- No Late Fees
- No Penalty Fee
- 0% APR for 21 months on Balance Transfers
Reward Rate:
- N/A
Other Information:
- Charges 3% International Transaction Fee
- Charges 5% or $10 Cash Advance Fee
Pros & Cons of Citi Simplicity®
| Pros | Cons |
|---|---|
| It offers 0% APR for a long period of time. | It does not provide reward points. |
| It does not charge any annual fees. | It does not provide any new cardholder bonus offer. |
| It does not charge any penalty or late fee. | Charges high fees for cash advances. |
Expert Advice:
The Citi Simplicity® Card is useful for students to build their credit without paying any annual fee on the card. It offers $0 liability on unauthorized charges and 0% intro APRon balance transfers for 21 months. It also helps students to avoid other charges such as penalty fees and late fees.
Table of Comparison
| No. | Name of the Card | Payment Gateway | Best For | Credit Score | Annual Fee | Annual Percentage Rate (Intro APR) | Balance Transfer | Sign in Bonus | Decision Criteria |
| 1. | Citi Rewards+® Student Card | Mastercard | StudentsCredit Builders | Fair-Good | $0 | 0% for 7 months | 18.24%-28.24% | 2,500 points after $500 spent in 3 months | Great for students wanting rewards and to build credit affordably |
| 2. | Citi Custom Cash℠ Card | Mastercard | Everyday UsersHigh-Spenders | Good-Excellent | $0 | 0% for 15 months | 19.24%-29.24% | $200 cash back after $1,500 spent in 3 months | Opt for cash back in your highest spending category, ideal if spending habits are consistent |
| 3. | Citi Diamond Preferred® Card | Mastercard | Students | Good-Excellent | $0 | 0% for 12 months | 19.24%-29.24% | N/A | Good choice for students wanting to transfer a balance and having a good repayment plan |
| 4. | Citi ThankYou® Preferred Card for Students | Mastercard | StudentsFirst-Time Users | Fair-Good | $0 | 0% for 7 Months | 21.24%–28.24% | 2,500 points after $500 spent in 3 months | Recommended for students new to credit cards wanting to earn rewards |
| 5. | Citi® Secured Mastercard | Mastercard | Credit BuildersBeginnersBad Credit | Poor-Fair | $0 | N/A | 26.74% | N/A | This card is designed for students with credit issues, it can help them to build/rebuild credit with responsible use |
| 6. | Citi Double Cash® Card | Mastercard | Everyday UsersBudget-ConsciousCredit BuildersOnline Shoppers | Good-Excellent | $0 | 0% for 18 months | 19.24%-29.24% | N/A | Good for students wanting to earn cash back on all purchases |
| 7. | Citi Simplicity® Credit Card | Mastercard | Balance CarriersBudget-Conscious | Good-Excellent | $0 | 0% for 12 months | 19.24%-29.24% | N/A | Best for students needing to carry a balance, also avoiding late fees, must have a great plan to repay the amount |
Methodology
Selecting the best credit cards offered by Citibank to help students build credit, even with limited or no credit history is done on various factors such as annual fee, intro APR, balance transfer, additional rewards and many other factors. Popular choices include the Citi Rewards+® Student Card, known for its no annual fee and reward points on various purchases, and the Citi Custom Cash℠ Card, which offers cashback rewards on the top spending category each month. Other options such as the Citi Diamond Preferred® Card, Citi ThankYou® Preferred Card for Students, Citi® Secured Mastercard, Citi Double Cash® Card, and Citi Simplicity® Credit Card cater to different student needs, from balance transfers and dining/entertainment rewards to secured credit building and avoiding fees.
These cards often come with benefits attractive to students, such as no annual fees, introductory APR periods, and opportunities to earn rewards on everyday spending. Several cards also provide access to FICO scores and fraud protection. While some cards, such as the Citi® Secured Mastercard, require a security deposit, they offer a pathway to building credit for those with poor credit. The Citi Double Cash® Card provides a flat-rate cashback, and the Citi Simplicity® Card is ideal for students who want to avoid late fees. Each card offers unique advantages that allows students to select one that aligns with their spending habits and credit-building goals.
Does Citibank offer Credit Cards for Students?
Yes, Citibank does offer credit cards designed for students, which can be a great way to start building credit while in college. These cards often come with features that align with student life, such as lower credit limits to help manage spending and rewards programs that serve to student purchases.
For instance, the Citi Rewards+ Student Card does not charge any annual fee and lets you earn points on purchases, including bonus points at supermarkets and gas stations. A unique perk is that points are rounded up to the nearest 10 on every purchase, and you can get a percentage of points back when you redeem them. Citibank also has student credit cards in specific regions, such as Hong Kong, that offer rewards customized to local student needs, such as rebates on transportation and other common expenses. Students are required to be at least 21 years old while applying for the credit cards along with proof of enrollment, though some exceptions may be made.
Choosing the Best Citibank Credit Cards for Students to Build Credit?
- Joining Fee: Many Citibank credit cards come with no joining fee such as the Citi Rewards+® Student Card which makes them accessible to students who are new to credit cards. Look for cards with no joining fee so you can avoid extra expenses.
- Low APR: A low Annual Percentage Rate (APR) can be considered as another criterion for minimizing interest costs if you can’t pay your balance in full each month. Students can choose the Citi Rewards+® Student Card as it offers a low APR which is beneficial for those who may find it difficult and challenging to manage their finances while in college.
- Credit-building tools: Credit cards for students can provide various resources such as credit monitoring, alerts and educational materials that assist you in learning how to effectively manage and build credit. These tools can be valuable as you establish your creditworthiness.
- No Annual Fees: Students who are considering having credit cards should typically choose ones with low or no annual fees, such as Citi Custom Cash℠ Card. This allows them to focus on building credit without facing extra costs. As a student, it’s usually best to choose a card with no annual fee for your first credit card.
- Student-Friendly Features: Certain cards provide features tailored for students, including budgeting tools and spending trackers. These features can help students in managing finances and handling college life more effectively.
- Credit Limit: Student credit cards typically have lower credit limits, which can help students avoid overspending and manage their credit responsibly. Some student credit cards offer a credit limit of up to 90% of your fixed deposit amount.
- Reward Program: Opt for cards that provide rewards, such as points or cash back, on everyday purchases such as groceries and textbooks. These rewards programs can help you maximize the value of your spending. With the Citi Rewards+ Student Card, you can earn ThankYou points on purchases and redeem them for gift cards, travel, or online shopping.
Why Do Students Need to Build Credit?
Students need to build a good credit score as it can help them in multiple ways, such as renting an apartment, getting better interest rates on student loans, car finances, and insurance savings, and getting more employment opportunities.
Key reasons why students should start building their credit history:
- Getting Credit Easily and Managing Finances: As a student, you should start building your credit history early, as it helps you to get credits from the lender easily. If you want extended credit usage, then you may require a good credit history with responsible credit usage. Building credits early for students can also help them manage their finances well as it helps them track their spending and credit usage and helps them take action to improve their credit score if required.
- Job Opportunities: A Citibank student card can be one of the best options for students to build a strong credit record, which can be a positive sign of personal accountability and work ethic. Employers in fields such as law enforcement, accounting, and the military may review credit histories as indicators of financial responsibility.
- Helps with Future Financial Decisions: A strong credit history can help students to make better future financial decisions such as purchasing a new car, buying a home or applying for a business loan. A good credit history also helps students get low interest rates and better terms on loans, which can lead to money savings in the long run. A good credit history cna also help students with rental applications and insurance rates.
- Understanding to Avoid Credit Traps: Students who start to build their credit early in college gain a better understanding of credit and credit management which helps them to avoid the credit traps set by many credit card companies.
- Easier Approval for Rentals: Landlords often assess credit scores to gauge responsibility. A good credit score can improve approval odds and save you from extra security deposits.
How Do Citibank Credit Cards Help Students Build Credit?
Citibank offers credit cards for students that are designed to help college students and young adults establish and build their credit history. These cards help individuals to get financial independence by allowing students to learn responsible credit management. Students can build a positive credit history by using these cards wisely, which is important for future financial moves such as renting an apartment, securing loans, and even getting better insurance rates.
Here are several key ways Citibank credit cards assist students in building credit:
- A significant advantage of student credit cards is an opportunity to build a credit history, which is essential for future financial activities such as loan applications or renting an apartment.
- Citibank offers credit cards to students and helps them develop responsible spending habits by encouraging low balances and timely bill payments. These practices can assist students in building their creditworthiness. A positive credit card history may lead to more favorable loan rates or eligibility for credit cards with higher limits after graduation.
- Some Citi student credit cards have no annual fee which allows students to stay stress-free and encourages them to pay their balances on time.
- Student credit cards often provide resources to help students understand credit management, including tools for budgeting and monitoring spending. These resources can be instrumental in developing sound financial habits.
- The best student credit cards report responsible spending and timely monthly payments to the three major credit bureaus, which helps them to build credit scores.
- Some Citibank student credit cards come with rewards programs where students can earn cash or other benefits. For instance, the Citi Rewards+ Student Card earns ThankYou points on purchases, with bonus points for supermarket and gas station spending. It also has a unique feature that rounds up rewards to the nearest 10 points on every purchase.
Advantages of Citibank Credit Cards for Students
Citibank offers student credit cards with several advantages, including opportunities to build credit, earn rewards, and access helpful financial tools. These cards can help students manage their finances and prepare for future financial responsibilities.
| Advantage | Description |
| Building Credit History | Allows students to build a positive credit history early through responsible use (low balances, on-time payments) which is essential for future loans/rentals. |
| Emergency Funds | Provides financial flexibility for urgent costs (not a primary solution; pay off balance quickly). |
| Digital Tools & Education | Includes mobile apps, spending trackers, budgeting calculators, and financial literacy articles for informed financial decisions. |
| Opportunity to Upgrade | Potential to upgrade to a standard credit card post-graduation, improving creditworthiness by increasing the average age of accounts. |
| Rewards | Earn points on purchases which can be redeemed as gift cards or used for travel rewards, such as 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 per year and 1 point per $1 spent thereafter. |
| Redeeming ThankYou® Points | ThankYou® Points don’t expire and there’s no limit on the number of points you can earn |
Frequently Asked Questions
What is a Citibank Student Card?
Citibank offers credit cards specifically designed for students, such as the Citi Rewards+® Student Credit Card. These cards typically have features that manage students’ spending habits while helping them build their credit histories.
Does Citibank offer student accounts?
Yes, Citibank offers an account for college students, which features no monthly fees, and it allows fee-free use of non-Citibank ATMs as long as the students are enrolled in a particular institution.
How does Citibank Credit Card help students build a credit score?
Using a student credit card responsibly, such as making purchases carefully and paying off the balance on time, can help students to make a positive credit history. Maintaining a good payment history is important for building a credit score.
What Are Citibank Credit Cards Best Known For?
Citibank credit cards are recognized for their rewards programs, competitive interest rates, and various promotional offers. They often provide benefits such as cashback, travel rewards, and bonus points for new cardholders.
Does Citibank Credit Cards Provide Rewards Along With Building Credit?
Yes, Citibank credit cards help in building credit, and it also offers rewards programs that allow students to earn points or cashback on their every spending. This dual benefit makes them appealing to students looking to establish their credit history while enjoying perks.
What are the benefits of the Citi Rewards+® Student Credit Card?
Citibank Credit card allows students to earn points on common expenses, such as groceries and gas, and offers unique features, such as rounding up purchases to the nearest ten points for rewards accumulation. It also provides 10% points back on redemptions up to a certain limit.
Is there an annual fee for Citibank student credit cards?
Many Citibank student credit cards have no annual fee for the first year, with some offering ongoing fee disclaimers based on spending or account activity.