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Citi® Bronze® / AAdvantage® Card for College Students Review
Issued by CitiBank
  
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Overall Rating:
Benefit Rating:
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The Citi® Bronze® / AAdvantage® Card for College Students, one of several Citi® AAdvantage® credit cards offered by Citibank, is designed for students with average credit who travel regularly on American Airlines.
Through the reward program, cardholders earn one mile for every two dollars spent on the card. Miles are redeemable for flights on over 25 partner airlines, car rentals, and stays at hundreds of hotels worldwide. There is a maximum of 25,000 miles that can be accumulated each year (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit.), and miles may never expire.
The APR for purchases is reasonable for a reward card. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. However, this card does offer a 0% introductory rate on balance transfers for the first six months.
Aside from the reward program, cardholders can expect several standard benefits that include travel accident insurance, no liability for unauthorized transactions, and various Internet account related services. Students also receive access to credit education tips and tools, and they get special student deals at participating merchants.
Therefore, those students who would like an airline reward card with no annual fee and will take advantage of the introductory offer will benefit most from what the Citi® Bronze® / AAdvantage® Card for College Students has to offer.
Through the reward program, cardholders earn one mile for every two dollars spent on the card. Miles are redeemable for flights on over 25 partner airlines, car rentals, and stays at hundreds of hotels worldwide. There is a maximum of 25,000 miles that can be accumulated each year (AAdvantage® Executive Platinum®, AAdvantage® Platinum®, and AAdvantage® Gold® members are excluded from this limit.), and miles may never expire.
The APR for purchases is reasonable for a reward card. There is also a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. However, this card does offer a 0% introductory rate on balance transfers for the first six months.
Aside from the reward program, cardholders can expect several standard benefits that include travel accident insurance, no liability for unauthorized transactions, and various Internet account related services. Students also receive access to credit education tips and tools, and they get special student deals at participating merchants.
Therefore, those students who would like an airline reward card with no annual fee and will take advantage of the introductory offer will benefit most from what the Citi® Bronze® / AAdvantage® Card for College Students has to offer.
Review Date: August 28, 2008
Note: The review on this card was updated on August 28, 2008. The review is believed to be accurate during the update, however, information posted may have changed since the update. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application.
| Credit Card Rate Details | |
Intro Rate (Intro APR):
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0% APR for 6 Months |
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Intro Applied Towards:
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Balance Transfers |
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Additional Intro Details:
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The introductory rate is available on balance transfers submitted during the first six months. |
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Purchase APR:
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14.99% (Variable) The APR for purchases is based on the Prime Rate. |
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Cash APR:
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19.99% (Variable) The APR for cash advances is based on the Prime Rate. There is a minimum APR on cash advances. |
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Finance Configuration:
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Average Daily Balance (including new purchases) |
| Credit Card Fee Details | |
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Annual Fee:
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$0 |
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Additional Cardholders:
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$0 |
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Grace Period:
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20 Days (Min.) |
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Late Payment Fee:
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$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
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Over the Limit Fee:
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$39 |
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Cash Advance Fee:
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3%, $5 minimum |
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Balance Transfer Fee:
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3% of each balance transfer; $5 minimum |
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Minimum Credit Limit:
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$500 |
| Credit Card Reward Program Details (Mile) | |
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Miles per Dollar:
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1 Mile/$2 |
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Additional Miles:
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None |
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Mile Details:
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Redeem AAdvantage® miles with over 20 of the world's top airlines, major car rental companies and hundreds of luxurious hotels worldwide. |
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Expiration:
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AAdvantage® miles may never expire. |
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Yearly Limit:
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25,000 Miles (AAdvantage® Executive Platinum, AAdvantage® Platinum, and AAdvantage® Gold members are excluded from this limit.) |
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Frequent Flyer Compatible:
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Yes |
| Features | |
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Most Attractive Feature(s):
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| Access to rewards program for no additional fee; no annual fee; compatible with airline frequent flyer program. | |
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Least Attractive Feature(s):
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| No extraordinary benefits or services offered to cardholders aside from the reward program; minimum APR cap for cash advances. | |
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Additional Features:
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| Various Internet account related services. Identity theft solutions. Fraud and security protection services. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payment. No liability for unauthorized transactions. Travel accident insurance. Access to credit education tips and tools. Discounts for students on products and services at participating merchants and retailers. See website for additional benefits. |
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Important Notations
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| See website for complete terms and conditions of card usage and application disclosure. | |
