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Rewards+® Student

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Rewards+® Student
3.8

Annual fee:
$0

Intro APR

Purchases: N/A

Balance Transfers: N/A

Regular APR

18.99% - 28.99% Variable APR

Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.

Citi Flex Plan

Credit Score

670-850 (Good/Excellent)

Rewards Earn 2x ThankYou® points per $1 spent at supermarkets and gas stations for the first $6,000 per year. Earn 1x ThankYou® point per $1 spent on all other purchases. Plus, enjoy more points with the only credit card that automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points). Limited time offer: Earn 5x ThankYou® points on hotel, car rentals, and attractions (excluding air travel) booked through the Citi Travel℠ portal until 12/31/2025.

1x - 5x Points

Welcome Offer Earn 5,000 bonus points after spending $500 in the first three months.

5,000 Points

Welcome Offer

Earn 5,000 bonus ThankYou® points after spending $500 in the first three months. That’s worth $50 when redeemed for travel or gift cards through thankyou.com.

Rewards

  • 5x Points on Travel (Limited Time Offer): hotel, car rentals and attractions, excluding air travel, at the Citi Travel℠ portal now through December 31, 2025.
  • 2x Points on Select Categories (for the first $6,000 per year):
    • 2x Points at Supermarkets.  
    • 2x Points at Gas Stations.
  • 1x Points on All Other Purchases.

Round Up to Nearest 10 Points

Automatically rounds up to the nearest 10 points on every purchase (e.g., a $2 parking meter earns 10 points).

Redemption Options

  • Redeem ThankYou® points for gift cards, purchases at Amazon.com and BestBuy.com®, travel, or apply as statement credit.
  • 10% Points Back: Enjoy 10% of your points back when you redeem up to the first 100,000 points per year. For example, redeem 10,000 points for a $100 gift card and get 1,000 points back, adding more value to your rewards.

Fees and APR

  • Annual Fee: $0.
  • Regular APR: 18.99% - 28.99% Variable APR.
  • Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
  • Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.

Exclusive Offers

  • Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.

Additional Features

  • Flexible Payment Options: Choose your payment due date — whether it’s at the beginning, middle, or end of the month — and decide whether to pay your balance in full or just the minimum due.
  • Enjoy 24/7 customer service, contactless checkout, and compatibility with digital wallets. Benefit from Mastercard ID Theft Protection for added peace of mind.

Terms and Conditions

Click Apply Now to see the terms and conditions.

The Citi Rewards+® Student Card is an excellent option for students looking for a rewards program that aligns with their everyday and travel spending. It features a unique points round-up benefit, maximizing rewards on small purchases, and offers 5x ThankYou® Points on hotels, car rentals, and attractions booked through the Citi Travel℠ portal (available through December 31, 2025). Additionally, it earns 2x points at supermarkets and gas stations (up to $6,000 annually) and 1x points on all other purchases. Compared to other student credit cards, this card excels in rewarding routine spending and small transactions. With no annual fee and a sign-up bonus, it’s a strong choice for students building credit while earning flexible rewards.