Citi Forward® Card for College Students Review

Issued by CitiBank

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The Citi Forward® Card for College Students, issued by Citibank, is for students who have it together. That's because this card rewards 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 reduction, or up to a 2% total reduction.

Bonus points are rewarded for other kind acts. Cardholders get 2,500 bonus points when they sign up for paperless statements within the first 3 months of their account opening, and 3,500 bonus points when they make their first $250 in purchases within the first 3 months.

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 Thank You network for cash, gift cards, music, electronics and more.

This card comes with a 0% intro rate on purchases for the first 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: February 22, 2010

Terms and Conditions

Note: The review on this card was updated on February 22, 2010. 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):	0% APR for 7 Months
Intro Applied Towards:	Purchases
Additional Intro Details:	Introductory rate is available on purchases.
Purchase APR:	17.24% Variable (Variable)
Cash APR:	25.24% (Variable)
Finance Configuration:	Average Daily Balance (including new purchases)

Credit Card Fee Details
Annual Fee:	$0
Annual Fee Details:	$0
Grace Period:	20 Days (Min.)
Over the Limit Fee:	$39
Cash Advance Fee:	Cash advance fee is 3.0% of each cash advance amount, $5 minimum.
Balance Transfer Fee:	Balance transfer fee is 3.0% of each balance transfer amount, $5 minimum.

Credit Card Reward Program Details (Point)
Points Per Dollar:	1 Point
Additional Points:	5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. 3,500 bonus points after first $250 in purchases made within the first 3 months of account opening; 2,500 bonus points when you sig
Point Details:	Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases.
Expiration:	5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores.
Yearly Limit:	No
Bonus First Purchase:	3,500 Points
Bonus Details:	3,500 bonus points after your first $250 in purchases made within 3 months of opening the account. 2,500 bonus points when you sign up for paperless statements within 3 months of opening account.

Features

Most Attractive Feature(s):

Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points.

Least Attractive Feature(s):

Additional fees.

Additional Features:

See website for additional benefits.

Important Notations

See website for complete terms and conditions of card usage and application disclosure.

Additional Information

Apply Online for the Citi Forward® Card for College Students from Citibank
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