Posted by Chuck on January 14, 2019
Credit Cards

Published on January 14th, 2019 | by Chuck

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Citi Rewards+ Student Card: Minimum 10 Points/trns, 2,500 Signup Bonus, No Annual Fee

Last week, Citi launched a new no-fee credit card called the Rewards+. Alongside that card, they have a student version as well. Everything about the student card is the same as the regular card except for the lower signup bonus and higher balance transfer fees and rates. You must be a college or graduate student to apply for this card.

Card Details

Direct link to offer

To recap again in brief, below are the key details. Check out our post on the standard non-student version of the card for a lengthier discussion.

Our Verdict

No reason to apply for this if you are eligible for the regular card, but this could be a good option for students who have not built up their credit. Not sure how strict Citi is with approvals, but presumably they are much easier with this card than with their others cards (probably with low credit limits).

Other good starter card are the Discover IT and the Chase Freedom. Amex is pretty easy with approvals, especially with charge card, so that’s another option to try.

Hat tip to uscreditcardguide

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Dan - Legal Bank Robber
Dan - Legal Bank Robber

Trash, DiscoverIt>

Dylan
Dylan

I have a discover IT card for MSing the quarterly categories, then I sock drawer the card until the next quarter rolls around.

I still recommend discover cards to people as their first credit card because as far as I know, their secured card is the only one widely available in existence that offers some form of rewards.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

Why sock drawer, its 2% for the first year? In my experiences with myself and helping others. They can get approved for an unsecured Discover Card w/ little or no credit history. Agree for MSing quarterly categories as well.

Beefer
Beefer

It’s not really 2% though because them holding the money chips away at the value a small bit due to opportunity cost.

Discover It was a great card but due to the heavy devaluations it has faced in the past year or two it’s worthy of being sockdrawered. Sad that it’s lost so many great features like discover deals, price protection, return extension and extended warranty

I miss my 10% back at walmart dearly.

Definitely still a good starter card but beyond that first year, the value dwindles.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

That is true and very unfortunate that they did those things. As a first year it is worth it.

Chucks
Chucks

I consider 2% unremarkable in the current game. So sure, if you’re new and don’t have a Fidelity Visa, haven’t PCed a Citi card to Double Cash, don’t have a CFU you pair with a CSR for 2.25% on travel minimum, don’t have a BOA travel rewards/premium rewards card and assets with BOA, don’t have another card at 2%+, and don’t have any other cards you need minimum spend to hit, sure, you could use the discover it.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

My comments were in regards to a first card. All those cards are not feasible or attainable for someone with limited credit history. Chucks

Midnight
Midnight

Foreign transaction fee on website says 3%. If it was actually 4% it would be excessive. But in my opinion all banks should waive the foreign transaction fee.

mary w
mary w

This seems like a smart move on Citi’s part. College students would be attracted to the minimum of 10 points per transaction b/c even more than the general population they make lots of small transactions. Plus many will keep the card or product change to another ThankYou point card after graduation through inertia which should gain Citi long term profitable customers.

Dan - Legal Bank Robber
Dan - Legal Bank Robber

I guess I feel differently since I am “churner” but as a college student, this card is not attractive at all.

mary w
mary w

I agree. Definitely not a card for a churner. Not aimed at churners. But maybe attractive to a non-churner who thinks points=good.

Midnight
Midnight

I have a debit card that gives 25 cents a transaction so for small transactions, it is a better deal then this.

AllwaysLearning22
AllwaysLearning22

Which debit card is this?

Dave
Dave

Not sure how to contact you but totally unrelated s just got an email from Ubereats for free delivery on next order using code NEWEATS2019

Subject is:

Hit your 2019 goals with free delivery,
“Your name”

William Charles

Thanks, Dave! For future my e-mail is will@doctorofcredit.com

Unclesam
Unclesam

Can you apply for this card if you are 17.5 years old and have a college admission letter for Fall 2019 or do you have to wait till 18?

Midnight
Midnight

You have to wait until you are actually 18.

A
A

I am sorry but this card is garbage and so was the old ThankYou for college students. I would rather get the ATT card and product change so that it doesn’t affect my ability to get a bonus.

paul
paul

is this downgradeable from the citi premier would do it to avoid the annual fee and closing the card? also , does downgrading go into the rule that you have spoken about many times in your articles about not being eligible if you open or close the card, does downgradign restart the 24 month clock? thanks

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