Citi Forward® Card for College Students

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Citi Forward® Card for College Students
Required Credit Score: Fair, Limited History
4 300 reviews   Write a Review!
JUMP TO: REWARDS | APRs | REVIEWS | Q&A | CUSTOMER SERVICE INFO
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Citi Forward® Card for College Students's Rewards

Bonus
2,500 points
Base Earn
1 point / $1
Max Earn
1 point / $1
Earn / Redeem Limit
Yes
  • 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 1 ThankYou® Point for every $1 you spend.
  • Redeem ThankYou® Points for almost anything, from gift cards, music, and electronics to student loans rebate, statement credits and charitable donations.
  • Earn up to 1,200 bonus ThankYou® Points for paying on time and staying under your credit limit.

Citi Forward® Card for College Students's Key APRs & Fees

Intro Rate on Purchases
0% for 7 months
Intro Rate on Transfers
Not Offered
Regular Rate
13.99% - 23.99% (V)
  • ANNUAL FEE None
  • BALANCE TRANSFER FEE 4%

Citi Forward® Card for College Students's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Flexible billing options.
  • No Annual Fee.
  • Click Apply Now for pricing information.

Citi Forward® Card for College Students Reviews

 
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3.9
Overall Rating: 3.9 / 5
Total Ratings: 300
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Mar 15, 2014
Photo of David P.
3
By:
The Citi Forward card is a good first credit card for students because it is easy to get. This is especially important for college students who are focused on building credit. I recommend this card because I myself got this card a year ago as a junior in college. The ThankYou points are OK, but it isn't the best rewards program out there. Students should be responsible with credit (eg. always pay off in full) and should carry at least 2 credit cards to help build credit.
Feb 21, 2014
Photo of Dan H.
5
By:
I love this credit card. I signed up on my senior year of high school (2009) and have had it since. In that time I've accumulated hundreds of dollars in giftcards via The Thank you points programs. I've also paid off my bill each month to avoid an interest charge, however the credit limit is low enough to prevent college students from spending way more than they can afford. Overall I really do like this card and would recommend it to any college student.
Dec 24, 2013
Photo of Olivia J.
5
By:
This is really a great card. I signed up for this when I was in college and didn't have enough money to pay off most of my bills. It really helped me through tough times. One of the greatest things is that you can earn Thank You points. I used these points to pay off my balance, and I love that they have this as an option. I continue to use this card, especially because of the 0.0% APR! Definitely satisfied :)
Oct 25, 2013
Photo of Nichole E.
5
By:
I love this card more than any card ive ever used. I used to sign up for a different card every month but since I signed up for this card I've loved it so much I haven't signed up for any other. I love earning points. I shop online a lot so I can go back and watch my points add up then buy even more afterwards, If you're a student I highly recommend this card for sure!
Oct 22, 2013
Photo of Gaige H.
4
By:
This is a very good card, especially if you shop, often on amazon. The points really add up when you use your credit card and the redemption value at amazon is fairly good. At first, when I was saving up a certain item, with points from the card, I found the credit card fairly frustrating. Now I very much enjoy it. I don't have a great credit rating and I still do not pay a lot in percentage wise. I also got a pretty high limit which was pretty nice when I was stuck between financial aid payments. The introductory 0% was also extremely helpful for me as this was more
Oct 12, 2013
Photo of Alex S.
4
By:
The Citi Forward Card for college students is great for me (a college student). The thank you points are very nice and easy to obtain. There are no hidden fees with this card, and APR is pretty low compared to other cards. Overall I'm happy with this card, but it does lose a point for penalty APR being pretty high at 30%.
Oct 3, 2013
Photo of Robert M.
4
By:
The Citi Forward Card for College Students is a decent card for student that have limited credit history. I have used it for about 6 months so far and have not had any problems. The intro rate of 0% is helpful and even after the introduction period the interest rate is not that high.The cash advance feature is very helpful in cases of emergency and it has already gotten me out of one jam when I had car troubles! The interest rate on the loan feature is at around the normal range as other cards. This card is great for all students who are looking to build their credit.
Aug 19, 2013
Photo of Lucy G.
4
By:
I am back in school as a student for a second degree, and it has been helpful for me to use this card as a student. Since I am a little older than a first time college student it was easier to be responsible with money and use this card to help build my credit. I really liked the 'thank you points,' and it was helpful for me to use this card while in school and working a part-time job, especially when I was short at the end of the month and needed the reassurance of some extra money to help with books and tuition related costs.
Mar 29, 2013
Photo of Kendall T.
2
By:
About a year into my college career I saw various flyers around offering free subs, being a college student I went to check it out. Not realizing what was going on I ended up signing up for a credit card – what can I say I was young and didn’t really understand what I was doing. I choose to take the experience in stride and use it to build my credit. It was a negative experience to say the least! After overlooking my minimum payment one time my rate shot up to 29.99%. Now almost 6 years later of paying on time I still have not received a lower interest more
Mar 4, 2013
Photo of Nick L.
4
By:
About two and a half years ago before I entered college I applied for the Citi mtvU student credit card to start building my credit as early as possible. That card eventually changed into the Citi Forward credit card which I still use as my primary credit card. It has been everything I would want in a student credit card. There have been no extra hidden fees and even when I couldn't make my full payment one month during the first year with this card I didn't have any extra fees to pay. The rewards system has been great. I've earned up to about $150 in rewards cards and amazon more
Feb 9, 2013
Photo of Matthew B.
5
By:
This isn't the first credit card I have had, but it was the first rewards card I applied for and boy is it a good one. I primarily shop through the internet, mainly Amazon.com. Why do I bring that up? Because part of the perks of this card is that this card is that you get 5 reward points per dollar spent on entertainment, restaurants, and book stores. And guess what Citi counts as a bookstore? That's right, Amazon. The rewards points stack up fairly quickly and they have an excellent amount of option to redeem them on. Customer service with the card is exceptionally fast, polite, and overall helpful. more
Sep 14, 2012
Photo of Spencer K.
5
By:
This was my first credit card that I had ever applied for. I've had it for just over a year now, and would definitely recommend it to any college student looking to build credit. One of the many perks of this card include the reward system, in which you receive points with certain purchases redeemable for many things. Another huge draw for me to the card was that there was no annual fee, which seemed to be a huge downfall with the other credit cards I looked into. The APR is low, and overall, I have had nothing but wonderful things to say about this credit card.
Sep 14, 2012
Photo of Dima I.
5
By:
As a college student, I have been looking a card that can provide me with a source of money in emergencies and tough situations. The application process was pretty straightforward and I had no trouble getting approved. It's great that they give you a grace period on your bills, and it's come in handy the one time for me that I had to pay late. The reward system is a cool bonus, especially since you earn just by doing stuff right like paying your bill on time or staying under the credit limit. Overall, I would recommend this card to any college student.
Sep 6, 2012
Photo of Del F.
5
By:
I've had nothing but great experiences with this card and I would recommend it to any college student. It's been my first experience with a credit card and I have to say I enjoy getting points for things I do (gamer). It's a great starting point and I use it to develop good practices with credit cards. Keep up with payments, limit purchases etc. These practices earn you points. You get points for staying under your limit and for paying on time. The points can then be applied to 'almost' anything in the future. I haven't tried using my points yet however. It's a great deal and especially suitable for more
Sep 5, 2012
Photo of Hugo S.
5
By:
I've had nothing but great experiences with this card and I would recommend it to any college student. It's been my first experience with a credit card and I have to say I enjoy getting points for things I do (gamer). It's a great starting point and I use it to develop good practices with credit cards. Keep up with payments, limit purchases etc. These practices earn you points. You get points for staying under your limit and for paying on time. The points can then be applied to 'almost' anything in the future. I haven't tried using my points yet however. It's a great deal and especially suitable for more
Aug 22, 2012
Photo of Tomi M.
5
By:
This card I got when I first started college. It is a great thing to have for a newly on there own college students. The APR is lower than most credit cards and it offers a slight grace period when it comes to payments.The citi forward offers a really cool website called thank you rewards. Every time you buy something with the credit card you earn points on the thank you reward site. The monthly payments are keep rather lower for the college kids not to get over whelmed I suppose. This card has been a major help to me and a few of my friends who also have this more
Aug 13, 2012
Photo of Shacoria R.
5
By:
This is a great card for students. The best part about the card is that it has no annual fee. Some cards charge you just for the privilege of owning them. Thankfully, this one is completely free. I also like that it's designed specifically for students. I was really scared to get a credit card originally and it made me much more comfortable to apply for a card that was specific to college students. I didn't even need a cosigner to apply for it. This card has been great so far. It's Visa, so they accept it everywhere. I really like that this card offers me rewards for using it. more
Aug 7, 2012
Photo of Glynis E.
4
By:
The Citi Forward card is a great starter card for students that are looking to start to begin building credit. After being denied by three other credit cards, I applied for the Citi Forward card and was immediately accepted. Unlike the other cards, the Citi Forward card gives you a number to call to check if you get accepted or not. So if you having trouble getting accepted for a card, then this card is one that accepts people pretty easily. I haven't gotten the rewards yet because I haven't paid for the billing for my first month, but from what I have heard the rewards program is up there more
Jul 25, 2012
Photo of Hermila B.
5
By:
The Citi Forward card is for students looking to build credit while also having spending money in college. For me this was my first credit card as I would not have been approved for other cards having no credit history. This is a great card for all the features it holds. One of these features is for thank you reward points. With this you gain 1 point for every dollar you spend and more for different categories. Another feature is the low minimum payment. In case you cannot pay off your entire balance that month it comes with the low payment of twenty dollars. And the APR is not too more
Jul 17, 2012
Photo of Geoff P.
3
By:
The Citi Forward card, being a student credit card, was my very first experience with a credit card. At first, I was a little nervous, being a student using this card, due to my unfamiliarity with the credit system. However, after doing a little research I found that this card was for me. Because I pay on time every month, they actually award you extra Thank You points for doing so. Also, they give you extra points if you buy certain items, like things in Amazon and groceries. If you are in need of raising your credit as a student and willing to be responsible with this card, you can more
Jul 12, 2012
Photo of Amanda W.
4
By:
I applied for the Citi Forward Card for students a few months ago and have been using it fairly often for the last 2 months. I was actually stunned I got approved for it since my credit isn’t great but I have been making progress on it. This is the third card I own and I have to say I like this card much better than my Capital One Card and a little more than my Chase Card. I like that there is not an annual fee and the rewards points are pretty nice. I signed up for paperless billing and received 1000 points just for doing so. I also more
Jul 6, 2012
Photo of Dennise K.
3
By:
I originally had the MTV U credit card for students, but when CitiCards did away with it, they sent me this replacement card. My interest rate increased and my credit limit decreased. Customer service was unable to provide an explanation for these changes, but they were friendly about it. This credit card has no annual fee, offers balance transfers, and gives you reward points any time you use the card. I use my reward points for statement credits. Overall, I would say that this is an average credit card with an average company. I feel as if there are better options out there, but I have no issues keeping this more
Jul 3, 2012
Photo of Anthony G.
4
By:
I've had this credit card recently and it's a really nice card for the college student. The APR is rather low for someone with low credit and the ThankYou rewards are a great perk. There's no annual fee, so that's one less thing for me to worry about. If you have any problems paying it off, they can lower your minimum payments if it's during a time when you are having financial difficulties. I would recommend this card to any college student especially if you have expenses like textbooks and other big expenses that would be a bit difficult for a college student to pull off.
Jul 3, 2012
Photo of Randy H.
5
By:
I've had this credit card for about one year now, and I have had a great experience this far. I had a capital one card before this, and the customer service with them was not good. I would call, and be put on hold for a long time and I eventually got really fed up with them. I've spoken to Citi's customer service quite a few times, and they are extremely friendly and it was easy to speak with them. Citi's online payment method is easy to navigate and easy to use. This is a great first card to use for college students because there is no annual fee associated more
Jun 27, 2012
Photo of Yasmin H.
4
By:
I originally had the MTVU Citicard but recently was switched to Citi Forward. So far, I’ve had no problems. I activated it about a month ago and find that it is relatively the same as the MTVU. As the card is used, it functions under a reward system where in qualified categories the more money spent while using the card gathers more points. For example, if I used my card for to pay for groceries or gas, the card matches each dollar with a single point, but if the card is used to pay for entertainment and/or restaurants then it rewards the carrier with five points. You begin your card more
Jun 27, 2012
Photo of Erna N.
5
By:
I've been using this card for 6 years now and it's the best credit card I have. The card was given to me while I was in college with absolutely no credit yet built and it was fantastic then as a first credit card. However, now that I’ve been out of college for a few years, it remains my everyday purchase card because the “Thank You” reward program is so great. Citi’s online services and paperless statements are fantastic as well. Furthermore, I’ve had nothing but good luck every time that I’ve dealt with the Citi customer service people as well. Overall, it’s a great card that I would recommend more
Jun 27, 2012
Photo of Genna T.
3
By:
I’ve had this credit card for going on 5 years now and my experiences have been great. I got this credit card after having several problems with Capitol One and not wanting to deal with their terrible customer service anymore. I’ve spoken to Citi’s customer service a couple of times over the years, and it is always easy and efficient to have a problem resolved. Once, about 3 years ago, I was contacted by a representative who wanted to notify me of suspicious activity on my account. A small charge had been made and they contacted me immediately to confirm that the activity was not authorized. The representative reassured me more
Jun 27, 2012
Photo of Carrol B.
4
By:
I have had Citi Forward Card for Students for about two months now. I was surprised when Citi sent me the card because I was already using their MTV U card. So far, I've had no problems with this particular Citi card. Users can accumulate points for either paying with the card, or fulfilling certain tasks. The points can then be redeemed for various prizes that can be seen on the website. Citi also provides the option of online payment, which is great because Citi's payment portal is easy to navigate and payment can be made promptly. Additionally, Citi can email you when the statement is ready for reach cycle. more
Jun 14, 2012
Photo of Tejas D.
5
By:
I originally owned the Citi MTVU card and was sent this Citi Forward Card for College Students in the mail with no strings attached. Being a college student, this card is very helpful to me due to the fact that there are no annual fees that come along with it. That means that I can use this card the bare minimum (mostly for books and other school expenses), and still build my credit for the future without having to worry about being charged any fees. Lastly, Citi will give you 100 ThankYou Points for each billing period that is paid on time. In conclusion, this card is a good choice more
Jan 20, 2012
Photo of Joe W.
4
By:
Much of college is about promise and potential, building knowledge and improving career prospects. All of these things are forward-looking, so it’s no wonder why Citi calls its student credit card the Citi Forward Card for College Students; it leads you to think that this is the card that will leave you best set up for a bright future. Whether this is just clever branding remains to be seen though. The Citi Forward College Student Credit Card does not have an annual fee, which means it passes the first test for student credit cards. (Credit building is the main reason to have a student credit card and having no annual more
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Last updated on: May 16th, 2014 at 5:48 EDT