Citi Rewards+® Student Card

Citibank Mastercard Student Pending

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0

Benefits

0

Reward Categories

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Max Reward

21.2%

APR From
Basic Information
PENDING

Program ID: citi-rewards-plus-student-card

Issuer: Citibank

Card Name: Citi Rewards+® Student Card

Card Type: Credit

Network: Mastercard

Card Tier: Student

Approved: Pending

Data Complete: Complete

Created: Jan 15, 2026 15:49

Last Scraped: Jan 15, 2026 15:50

Apply URL: Visit

Home URL: Visit

Rewards Program (Detailed)
No Reward Data Available

Click "Get Data" button below to fetch reward information for this card.

Rewards Summary
PENDING

Reward Type: ThankYou Points

Base Rate: 1x

Bonus Rate: 2x

Categories: 2x Supermarkets, 2x Gas Stations

Quarterly Rotating: No

Cap Amount: $6,000.00

Expiration Policy: Points do not expire as long as account is active

Point Value: 0.01¢

Travel Portal Multiplier: 1x

Transfer Partners: JetBlue TrueBlue, Choice Privileges

Redemption Penalties: None (10% points back on first 100,000 ThankYou Points redeemed per year)

Benefits & Protections (Detailed)
No Card Benefits Available

Click "Get Data" button below to fetch card benefits for this card.

Benefits Summary (Flags)
PENDING

Extended Warranty

Purchase Protection

Cell Phone Protection

Travel Insurance

Primary Rental Protection

Airport Lounge Access

Trip Delay Coverage

Lost Luggage Coverage

Price Protection

Concierge Service

No Foreign Fees

ShopRunner

Global Entry Credit: $0

TSA PreCheck Credit: $0

Sign-Up Bonus
PENDING

$2,500

Cash Back

Requirement: Spend $500 in 90 days

Timing: Bonus ThankYou Points will appear on your statement 1-2 billing cycles after you meet the spend requirement.

Fee Structure
PENDING
Annual Fee: $0.00
Year 1 Waived: No
Effective Annual Fee: $0.00
Authorized User Fee: $0.00
Penalty APR: 0.30%
Min Interest Charge: $0.50
Additional Fees
PENDING
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 & APR
PENDING
Standard APR

Purchase APR: 21.24% - 29.24%

Balance Transfer APR: 29.24%

Cash Advance APR: 29.99%

Intro APR Offers

Intro Purchase APR: 0% for 6 months

Intro BT APR: 0% for 0 months

Promo Duration: 0 months

Approval Criteria & Requirements
PENDING
Credit Score Requirements
670 - 740
Good
Supported
Application Process
Available
Available
Experian, TransUnion, Equifax
Issuer Rules & Policies
PENDING

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.

Max Cards Per Issuer: 5

Min 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.

Cliff Effect Rules: Citi's 24-Month Rule: Eligibility for a sign-up bonus on the Citi Rewards+ Student Card is restricted if an applicant has opened or closed any Citi ThankYou Points earning card (including other Rewards+, ThankYou Preferred, Premier, or Prestige cards) or received a bonus on any such card within the past 24 months. This rule applies across the entire ThankYou Points card family, preventing multiple bonuses within this timeframe.

International Friendly: No

User Analytics & Insights
PENDING
User Ratings

Average Rating: 3.8 / 5.0

Top Positive:
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:
Low initial credit limit, high APR if carrying a balance, limited benefits compared to non-student cards.

Approval Experience: 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

Approval Probability: 75.0%

Version Control
PENDING

Version ID: v1.0