Citi Forward® Card for College Students
Sponsored Card
- Minimum Credit Required:
Good, Limited History - Annual Fee:None
- Network: VISA
Points - Generic
| Initial Bonus 1,000 points |
Base Earn 1 point / $1 |
Max Earn 5 points / $1 |
Earn / Redeem Limit Yes |
- Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening.
- No Cosigner Required.
- 100 ThankYou Points each billing period that you pay on time and stay under your credit line.
| Intro Rate 0% |
Intro Period 7 months |
Regular Rate 13.99% - 22.99% (V) |
| Intro RateNot Offered | Intro PeriodN/A | Regular Rate13.99% - 22.99% (V) | Balance Transfer Fee 3% |
| Cash Advance Rate 25.24% (V) |
Cash Advance Fee 5% (min $10) |
- APR reduction on purchases when using credit wisely.
- Max Late Fee: $35
- Max Overlimit Fee: None
- Max Penalty APR: 29.99% (V)
- Grace Period: 23 days
- Online Response: No
- Foreign Transaction Fee: 3%
If you currently have the Citi Forward® Card for College Students and are satisfied or you like the terms of this credit card offer please let your friends know.
If you are interested in the Citi Forward® Card for College Students, check out the following credit cards as well:
Compare the Citi Forward® Card for College Students against other major online credit card offers.
Citi Forward® Card for College Students is related to the following credit card categories:
- Student Credit Cards
- Student Credit Cards with No Credit
- Citibank Student Credit Cards
- Student Rewards Credit Cards
- 0% APR Student Credit Cards
- Credit Cards for Graduate Students
- Student Credit Cards with No Annual Fee
- Visa Student Credit Cards
- Student Credit Cards for Good Credit
- Student Points Credit Cards
We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information. Certain offers originate from paying advertisers, and this will be noted on a card’s details page, when applicable.
Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Citi Forward® Card for College Students shown on this page.
The card information shown on this page was last updated: May 23rd, 2012 at 1:05 EDT
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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 fee helps you build credit as inexpensively as possible, especially since you can build credit without actually using your card to make purchases). The next thing most students will want to know is what rewards the Citi Forward Card offers. Well, it gives you 1,000 bonus points when you sign up for paperless statements during the first three months as well as 100 bonus points each month you pay on time and stay under your balance. You should be able to garner all 2,200 of these bonus points since you’re likely more comfortable with digital account management and you’d have to opt-in for the ability to exceed your limit anyway (should not do so unless you trust yourself to go over-limit only in emergencies). You also get 5 points for each dollar you spend at restaurants and on books, music, and movies. Overall, this rewards structure is good in the sense that it rewards proper account management and gives you points on some of a college student’s biggest expenses. Whether it offers the best rewards depends on how much you will use your credit card. If you will use your card a lot and for all kinds of purchases, something like the Capital One Journey Card, which provides 1.25% cash back on all purchases might be better. If you plan on using your card minimally and only for food, entertainment and books, for example, then Citi’s Student Forward Card could provide could provide more benefit in bonus points alone than you’d get via an entire year using a different student card. The Discover Open Road Card is a good option for commuters since it gives you 2% cash back on the first $250 you spend on gas and at restaurants each month as well as 1% on everything else. You might be thinking that I forgot about rates. I didn’t, but they are generally not as important as other card features given that students should not be spending more than they can afford to pay. The Citi Forward Card for College Students does offer 0% on purchases for seven months though, which makes it middle of the road in the student category. The Discover Open Road Card offers 0% on purchases for the longest period of time – 9 months.