Citi Forward® Card for College Students Review
Issued by CitiBank
  
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Overall Rating:   Benefit Rating:  |
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The Citi Forward® Card for College Students is a student-oriented credit card, issued by Citibank, that rewards consumers for spending wisely. This includes rewarding cardholders for staying within their credit limit and paying on time.
Students who use this card correctly by staying within their credit limit and paying on time will receive 100 bonus points per billing period and a potential reduction of their interest rate. Students receive a reduction of .25% when they make a purchase, stay within their credit limit, and pay on time for three months in a row. Cardholders are eligible for eight reductions, or up to a 2% total reduction.
Bonus points are rewarded for other kind acts. Cardholders get 1,000 bonus points when they sign up for paperless statements within the first 3 months of their account opening.
Citi Forward® Card for College Students also rewards cardholders for purchases. Students receive 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters, and 1 point per dollar spent on all other purchases. Points can be redeemed through the ThankYou network for cash, gift cards, music, electronics and more.
This card comes with a 0% intro rate on purchases for 7 months. After the introductory period, the variable interest rate is reasonable for a student credit card.
The Citi Forward® Card for College Students is perfect for college students who are looking for a rewards credit card with lots of cool extras.
Students who use this card correctly by staying within their credit limit and paying on time will receive 100 bonus points per billing period and a potential reduction of their interest rate. Students receive a reduction of .25% when they make a purchase, stay within their credit limit, and pay on time for three months in a row. Cardholders are eligible for eight reductions, or up to a 2% total reduction.
Bonus points are rewarded for other kind acts. Cardholders get 1,000 bonus points when they sign up for paperless statements within the first 3 months of their account opening.
Citi Forward® Card for College Students also rewards cardholders for purchases. Students receive 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters, and 1 point per dollar spent on all other purchases. Points can be redeemed through the ThankYou network for cash, gift cards, music, electronics and more.
This card comes with a 0% intro rate on purchases for 7 months. After the introductory period, the variable interest rate is reasonable for a student credit card.
The Citi Forward® Card for College Students is perfect for college students who are looking for a rewards credit card with lots of cool extras.
Review Date: January 19, 2012
Note: The review on this card was updated on January 19, 2012. 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 | |
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Intro Rate (Intro APR):
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0% Intro APR for 7 Months* |
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Intro Applied Towards:
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Purchases |
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Additional Intro Details:
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0% Intro APR for 7 months on Purchases. |
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Purchase APR:
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13.99% - 22.99%* (Variable) (Variable) |
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Cash APR:
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25.24% (Variable) |
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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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Grace Period:
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20 - 25 Days |
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Over the Limit Fee:
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None |
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Cash Advance Fee:
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5% of each cash advance; $10 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 (Point) | |
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Points Per Dollar:
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1 Point |
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Additional Points:
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5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. |
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Point Details:
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Cardholders earn 5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 ThankYou® Point per dollar spent on all other purchases. |
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Expiration:
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Points expire 5 years from the end of the month in which they are earned, unless the ThankYou Network is terminated before that time. |
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Yearly Limit:
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No |
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Bonus Details:
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1,000 bonus points when you sign up for paperless statements within 3 months of account opening. Earn up to 1,200 bonus points per year for each billing cycle you pay on time and stay under your credit line. |
| Features |
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Most Attractive Feature(s):
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| Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points. |
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Least Attractive Feature(s):
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| Additional fees. |
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Additional Features:
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| 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. |
| Additional Information |
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Apply Online for the Citi Forward® Card for College Students from Citibank See other Student Credit Cards See other Credit Cards Issued by CitiBank See other Visa Credit Cards |