Does Citibank have a Best Student credit card?
Yes, Citibank does have a student credit card in the United States, called the Citi Rewards+℠ Student Card. It is a rewards card that earns 2X ThankYou® Points at supermarkets and gas stations for the first $6,000 per year and then 1X Points thereafter. It also earns 1X Points on all other purchases. Points can be redeemed for a variety of rewards, including travel, gift cards, and statement credits.
Citi has been offering Best student credit cards since 1995. The first Citibank student credit card was the CitiStudent® Card, which offered a 1% cash back rewards rate and no annual fee. In 2000, Citi introduced the Citi ThankYou® Preferred for Students card, which offered a higher rewards rate and more benefits, such as travel rewards and purchase protection.
In recent years, Citi has continued to offer a variety of student credit cards and Citi student visa to meet the needs of different students. In 2017, Citi introduced the Citi Double Cash Card for Students, which offers a 2% cash back rewards rate on all purchases. In 2020, Citi introduced the Citi Premier® Card for Students, which offers a higher rewards rate on travel and gas purchases.
Citi student credit cards are a great option for students who are looking to build their credit history and earn rewards. Citi offers a variety of student credit cards with different rewards rates, benefits, and fees, so students can choose the card that best meets their needs. Here are things that you will learn in the post:
citi student credit card review:
Citibank credit card for students:
Citi card for college students:
List of Citibank credit cards for students:
Here is a brief history of Citi student credit cards:
- 1995: CitiStudent® Card is introduced
- 2000: Citi ThankYou® Preferred for Students card is introduced
- 2017: Citi Double Cash Card for Students is introduced
- 2020: Citi Premier® Card for Students is introduced
Citi student credit cards are a great option for students who are looking to build their credit history and earn rewards. Citi offers a variety of student credit cards with different rewards rates, benefits, and fees, so students can choose the card that best meets their needs.
The Citi Rewards+℠ Student Card has a $0 annual fee and offers a 0% intro APR on purchases for 7 months. After that, the variable APR will be 14.49% – 24.49%, based on your creditworthiness.
To apply for the Citi Rewards+℠ Student Card, you must be at least 18 years old and a resident of the United States. You must also be enrolled in a degree-seeking program at a U.S. college or university.
In addition to the Citi Rewards+℠ Student Card, Citibank also offers a number of other credit cards that may be a good fit for students, such as the Citi Secured Mastercard® and the Citi Custom Cash℠ Card.
Pros and Cons of the Citi card student:
After Researching City student credit cards Deeply Here are some of the cons and Pros For students Before u can Apply:
Pros:
No annual fee.
You won’t have to pay an annual fee for the Citi Student Card. This can save you money in the long run. Earn 1% cash back on all purchases. You’ll earn 1% cash back on all of your purchases with the Citi Student Card. This can help you save money on everyday expenses.
Sign-up bonus.
If you spend $500 on your card in the first 3 months of account opening, you’ll earn a $200 cash bonus. This is a great way to get a head start on building your credit history.
0% interest introductory APR on purchases for 12 months. If you carry a balance on your card, you won’t be charged interest for the first 12 months. This can help you avoid paying interest on your purchases.
No foreign transaction fees.
If you use your card for international purchases, you won’t be charged foreign transaction fees. This can save you money when you travel.
Cons:
High-interest rate.
The interest rate on the Citi Student Card is 25.24% APR. This is a high interest rate, so it’s important to pay your balance in full each month to avoid paying interest.
Low credit limit.
The credit limit on the Citi Student Card is typically $500 to $1,000. This may be too low for some students who need to borrow more money. But You can Definitely increase by contacting your bank.
Is the Citi Student Card a Good choice for you?
The Citi Student Card may be a good choice for students who want to build their credit history and earn rewards. However, it’s important to be aware of the high-interest rate and low credit limit before you apply for the card.
If you’re looking for a student credit card with a lower interest rate and higher credit limit, you may want to consider other options.
Best Citibank credit card for students:
Here is a list of all student credit cards offered by Citibank, along with their pros, cons, features, and credit requirements:
Citi Rewards+ Student Card
- Pros:
- No annual fee
- 0% introductory APR on purchases for 7 months
- 2x points at supermarkets and gas stations for the first $6,000 in spending each year
- 1x points on all other purchases
- No foreign transaction fees
- Cons:
- Rewards points can only be redeemed for travel or merchandise
- High APR after the introductory period
- Features:
- FICO score required: Fair
- Credit limit: Up to $1,000
- Other benefits:
- Purchase protection
- Extended warranty protection
- Travel accident insurance
- Rental car insurance
Citi ThankYou® Preferred Card
-
- No annual fee
- 0% introductory APR on purchases for 15 months
- 3x points on travel, dining, and gas stations
- 1x points on all other purchases
- No foreign transaction fees
- Cons:
- Rewards points can only be redeemed for travel or merchandise
- High APR after the introductory period
- Features:
- FICO score required: Good
- Credit limit: Up to $1,000
- Other benefits:
- Purchase protection
- Extended warranty protection
- Travel accident insurance
- Rental car insurance
Citi Custom Cash℠ Card for Students
- Pros:
- No annual fee
- 0% introductory APR on purchases for 12 months
- 5% cash back on your top eligible spending category each month, up to $500 in spending
- 1% cash back on all other purchases
- No foreign transaction fees
- Cons:
- Rewards are limited to cash back
- High APR after the introductory period
- Features:
- FICO score required: Good
- Credit limit: Up to $1,000
- Other benefits:
- Purchase protection
- Extended warranty protection
- Travel accident insurance
Overall, the best Citi student credit card for you will depend on your individual needs and spending habits. If you’re looking for a card with no annual fee and a 0% introductory APR, the Citi Rewards+ Student Card is a good option.
If you’re looking for a card with more rewards potential, the Citi ThankYou® Preferred Card for Students is a better choice. And if you’re looking for a card that can help you maximize your cash back, the Citi Custom Cash℠ Card for Students is the best option.
Citi student credit card review?
Here is The Review That I found On this Website That Will Help You while Making a Decision
According to NerdWallet, the Citi Rewards+ Student Card offers some unique features for smaller spenders. It automatically rounds up to the nearest 10 points on every purchase, with no cap. However, it lags behind other student cards in terms of earning potential and perks.
The Motley Fool states that the Citi Rewards+ Student Card has an above-average rewards rate, but is not feature-rich. It is designed for students who don’t spend much and haven’t built credit yet. However, its rewards and innovative feature that rounds your points up might make it worthwhile.
CreditCards.com rates the Citi Rewards+ Student Card as decent for rewarding everyday spending but notes that the APR is higher than average.
Citi Bank Best Student Credit Card Comparision :
| Feature | Citi Rewards+ Student Credit Card | Citi Double Cashback Credit Card | Citi Simplicity Card | Citi Basic Card |
|---|---|---|---|---|
| Annual Fee | $0 | $0 | $0 | $0 |
| Rewards | 2x points at gas stations and restaurants, unlimited 1x points on all other purchases | 2% cashback on all purchases | 1.5x cashback on everything | 1x cashback on all purchases |
| Welcome Bonus | None | None | None | None |
| Intro APR | 0% for 18 months on purchases | None | None | None |
| Regular APR | 14.49% – 24.49% variable | 13.49% – 24.49% variable | 13.49% – 24.49% variable | 13.49% – 24.49% variable |
| Balance Transfer Fee | None | None | None | None |
| Foreign Transaction Fee | None | None | None | None |
| Credit Score Required | Good or excellent | Good or excellent | Good or excellent | Fair or good |
Recommendation:
The Citi Rewards+ Student Credit Card is the best student credit card for Citibank customers who want to earn rewards on their everyday spending. It offers 2x points at gas stations and restaurants, and unlimited 1x points on all other purchases. The card also has a 0% intro APR on purchases for 18 months, which can help you save money on interest.
Benefits of the Citibank credit card for students:
Build your credit history.
Using a credit card responsibly and paying your bill on time each month can help you build a good credit history. This can be helpful when you apply for loans in the future, such as a car loan or mortgage.
Earn rewards.
The Citi Student Card offers 1% cash back on all purchases. This means that you can earn rewards on everything you buy, from groceries to gas to textbooks.
Take advantage of introductory offers.
The Citi Student Card offers a 0% interest introductory APR on purchases for 12 months. This means that you won’t be charged interest on your purchases for the first 12 months. This can be helpful if you need to borrow money to pay for school or other expenses.
Enjoy no foreign transaction fees.
If you use your Citi Student Card for international purchases, you won’t be charged foreign transaction fees. This can save you money when you travel abroad. You can also learn about how to remove extra credit card charge.
Drawbacks to consider when choosing a Citi credit card for students:
Interest rates.
Credit cards typically have high-interest rates. This means that if you carry a balance on your card, you could end up paying a lot of interest.
Late fees.
If you don’t pay your credit card bill on time, you could be charged late fees. These fees can add up quickly, so it’s important to make your payments on time.
Overspending.
It can be easy to overspend when you use a credit card. It’s important to track your spending and make sure you’re only using your card for purchases you can afford to pay back.
Annual fees.
Some credit cards have annual fees. This is an additional cost that you’ll need to factor in when deciding whether or not to get a credit card.
How to apply for a student credit card Citibank?
To apply for a Citi Student Card, you’ll need to be a student at a college or university that’s enrolled in at least one credit-bearing course. You’ll also need to be at least 18 years old and have a valid Social Security number.
You can apply for a Citi Student Card online or by mail. If you apply online, you’ll need to provide your name, address, date of birth, Social Security number, and the name of your school. You’ll also need to provide some information about your income and expenses.
If you apply by mail, you’ll need to download and complete a Citi Student Card application form. You can find the application form on the Citibank website.
Once you’ve submitted your application, Citibank will review your credit history and financial information. If you’re approved for a Citi Student Card, you’ll receive your card in the mail within a few weeks.
How to use a Citi Student Card responsibly?
Once you have your Citi Student Card, it’s important to use it responsibly. Here are a few tips for students to use it without Dropping:
Only charge what you can afford to pay back.
It’s important to only charge what you can afford to pay back in full each month. If you carry a balance on your card, you’ll be charged interest.
Pay your bill on time.
It’s important to make your credit card payments on time each month. If you miss a payment, you could be charged late fees and damage your credit history.
Track your spending.
It’s important to track your spending so that you don’t overspend. You can track your spending using a budgeting app or by keeping a monthly budget.
Take advantage of rewards.
The Citi Student Card offers 1% cash back on all purchases. This means that you can earn rewards for everything you buy. You can redeem your rewards for statement credits, gift cards, or travel.
Use your card for emergencies only.
It’s best to use your credit card for emergencies only, such as when you need to cover an unexpected expense. If you use your credit card for everyday purchases, it’s easy to overspend.
Conclusion
The Citi Student Card can be a good option for students who want to build their credit history and earn rewards. However, it’s important to be aware of the high interest rate and low credit limit before you apply for the card. If you’re looking for a student credit card with a lower interest rate and higher credit limit, you may want to consider other options.
Eligibility Criteria For Citi Student Credit Cards?
The Citi Student Card is a credit card that is designed specifically for students. To be eligible for the Citi Student Card, you must meet the following criteria:
- Be a student at a college or university. You must be enrolled in at least one credit-bearing course at a college or university.
- Be at least 18 years old. You must be at least 18 years old to apply for a Citi Student Card.
- Have a good credit history. Citibank will review your credit history when you apply for the Citi Student Card. If you have a good credit history, you will be more likely to be approved for the card.
- Have a source of income. Citibank will want to see that you have a source of income to repay the debt you incur on your Citi Student Card. This could be a part-time job, a scholarship, or financial aid.
If you meet all of these criteria, you will be eligible to apply for the Citi Student Card.
Improve Chances of Getting Approved for the Citi Student Card:
Apply online.
Applying for a credit card online is typically easier than applying by mail.
Be prepared to provide documentation.
When you apply for a credit card, you will be asked to provide documentation to verify your identity and income. This could include a copy of your driver’s license, a copy of your student ID, and a copy of your most recent pay stub.
Be patient.
It can take a few weeks to hear back from Citibank after you apply for the Citi Student Card.
What are Citibank student visa credit cards?
Citibank student visa credit cards are credit cards that are designed for students who are enrolled in a full-time undergraduate or graduate program at an accredited institution. These cards typically have no annual fee and offer rewards programs that are tailored to the needs of students, such as cash back on gas, groceries, and textbooks.
Citibank student visa credit cards can be a good way for students to build their credit history and earn rewards on their purchases. However, it is important to use these cards responsibly and pay your bill in full each month to avoid interest charges.
How to Apply for a Citibank student visa credit card:
You can apply for a Citibank student visa credit card online or by calling a Citibank representative. You will need to provide your personal information, including your name, address, date of birth, and Social Security number or taxpayer identification number. You will also need to provide information about your education, including the name of your school, your major, and your expected graduation date.
Citi Student Visa Requirements
To be eligible for a Citi student visa, you must meet the following requirements:
- Be at least 18 years old
- Be a student enrolled in a full-time undergraduate or graduate program at an accredited institution
- Have a valid passport
- Be able to demonstrate that you have sufficient financial resources to support yourself during your studies in the United States
Citi Student Visa Application Process
The Citi student visa application process is relatively straightforward. To apply, you will need to:
- Complete the DS-160 nonimmigrant visa application form online
- Pay the application fee
- Schedule a visa interview at a US embassy or consulate
- Attend your visa interview and bring all required documentation, including your passport, visa application form, proof of enrollment, and proof of financial support
Citi Student Visa Benefits
Citi student visas offer a number of benefits, including:
- The ability to live and study in the United States for up to five years
- The ability to work on campus up to 20 hours per week
- The ability to apply for off-campus work authorization under certain circumstances
- The ability to travel freely within the United States
Citi Student Visa Reviews
Citi student visas are generally well-regarded by students and employers alike. Many students appreciate the flexibility and benefits that Citi student visas offer. Employers also value Citi student visa holders for their skills and experience.
Citi Student Visa vs. Other Student Visas
There are a number of different types of student visas available to international students who wish to study in the United States. The most common type of student visa is the F-1 visa. F-1 visas are issued to students who are enrolled in a full-time academic program at a US school.
Another common type of student visa is the J-1 visa. J-1 visas are issued to students who are participating in a work-and-study exchange program in the United States.
Citi student visas are similar to F-1 visas in many ways. However, there are a few key differences. First, Citi student visas are only available to students who are enrolled in a Citi-sponsored program. Second, Citi student visas offer a number of additional benefits, such as the ability to apply for off-campus work authorization under certain circumstances.
Which Student Visa is Right for You?
The best student visa for you will depend on your individual circumstances. If you are enrolled in a Citi-sponsored program, then a Citi student visa is a good option. If you are not enrolled in a Citi-sponsored program, then you may want to consider an F-1 visa or another type of student visa.
If you are unsure which type of student visa is right for you, you should consult with an immigration attorney.
Additional Information about Citi Student Visas
Here is some additional information about Citi student visas:
- Citi student visas are valid for up to five years.
- Citi student visa holders can apply for extensions of their visas.
- Citi student visa holders are eligible to work on campus up to 20 hours per week without a work permit.
- Citi student visa holders may be eligible to apply for off-campus work authorization under certain circumstances, such as if they have a job offer from a US employer or if they need to work to support themselves financially.
- Citi student visa holders are able to travel freely within the United States.
- Citi student visa holders are not eligible to apply for permanent residency in the United States while they are on a student visa.