Citi Rewards+® Student Card
Basic Information
Program ID: citi-rewards-plus-student-card
Issuer: Citibank
Card Type: Credit
Network: Mastercard
Card Tier: Student
Data Complete: Yes
Created: 01/15/2026 15:49
Last Scraped: 01/15/2026 15:50
Fee Structure
| Annual Fee: | $0.00 |
| Year 1 Waived: | No |
| Effective Annual Fee: | $0.00 |
| Authorized User Fee: | $0.00 |
| Penalty APR: | 30.00% |
Additional Fees
| Late Fee: | $40.00 |
| Returned Payment: | $40.00 |
| Balance Transfer: | Either $5 or 3% of the amount of each transfer, whichever is greater. |
| Cash Advance: | Either $10 or 5% of the amount of each cash advance, whichever is greater. |
| Foreign Transaction: | 0.00% |
Interest Rates
Purchase APR Range: 2,124.00% - 2,924.00%
Intro Purchase APR: 0.00%
Intro APR Duration: 6 months
Balance Transfer APR: 2,924.00%
Intro BT APR: 0.00%
Intro BT Duration: 0 months
Cash Advance APR: 2,999.00%
Sign-Up Bonus
Bonus Amount: $2,500.00
Spending Requirement: $500.00
Time Period: 90 days
Bonus Timing: Bonus ThankYou Points will appear on your statement 1-2 billing cycles after you meet the spend requirement.
Rewards Program
Reward Type: ThankYou Points
Base Reward Rate: 1.00%
Bonus Reward Rate: 2.00%
Bonus Categories: 2x Supermarkets, 2x Gas Stations
Point Value Estimate: 0.0100 cents/point
Expiration Policy: Points do not expire as long as account is active
Transfer Partners: JetBlue TrueBlue, Choice Privileges
Card Benefits
Protection Benefits
- Extended Warranty
- Purchase Protection
- Cell Phone Protection
- Price Protection
Travel Benefits
- Travel Insurance
- Primary Rental Protection
- Trip Delay Coverage
- Lost Luggage Coverage
- No Foreign Transaction Fees
Premium Benefits
- Airport Lounge Access
- Concierge Service
- Global Entry Credit: $0.00
- TSA PreCheck Credit: $0.00
Approval Criteria
Recommended FICO Range: 670 - 740
Approval Odds Category: Good
Pre-qualification Available
Soft Pull Supported
Hard Pull Bureau: Experian, TransUnion, Equifax
Issuer Rules
Rules: For 2026, the Citi Rewards+ Student Card is subject to Citibank's standard application and bonus eligibility rules. Applicants must be at least 18 years old, enrolled in an accredited college or university, and possess a valid U.S. Social Security Number (SSN) or Individual Taxpayer Identification Number (ITIN). Applicants must also be U.S. residents and demonstrate an ability to pay, typically through income from part-time jobs, scholarships, or allowances. This card is designed for students, often accommodating those with limited or no prior credit history. The sign-up bonus is subject to the Citi 24-month rule, meaning applicants are ineligible if they have opened or closed any Citi ThankYou Points earning card (e.g., Citi Rewards+, Citi ThankYou Preferred, Citi ThankYou Premier/Prestige) or received a bonus on any such card within the past 24 months.
Maximum Cards Per Issuer: 5
Minimum Spend Interval: 3 months
Shutdown Risk Triggers: Manufactured spending (MS) activities, high cumulative credit limit across all Citibank products relative to income, frequent or large balance transfers without new spending, abuse of return policies or credit card benefits, opening too many accounts with Citibank or other issuers in a short period (application velocity), defaulting on payments, suspicious or fraudulent activity, or providing inaccurate information on applications.
International Friendly
User Analytics & Insights
User Ratings
Average Rating: 3.8 / 5.0
Top Positive Feedback:
Easy to get approved for first card, good for building credit history, simple rewards program with 10% points back on redemption, no annual fee.
Top Negative Feedback:
Low initial credit limit, high APR if carrying a balance, limited benefits compared to non-student cards.
Approval Experience Score: 85.0 / 100
Recommended Alternatives
- Discover it Student Cash Back
- Capital One SavorOne Student Card
- Bank of America Customized Cash Rewards for Students
Card Value Score: 75.0 / 100
Est. Annual Rewards: $70.00
User Portfolio Metrics
Avg Portfolio Size: 1 cards
Avg Portfolio Age: 12 months
Store vs Co-brand: 100% General / 0% Store
Risk Assessment
Default Risk Group: Medium
Predicted Approval Probability: 75.0%
Terms Version Control
Version ID: v1.0