When I was first starting out college, my parents gave me $1,500 in spending money that was supposed to last the entire school year. Since my meals were already paid for (three squares a day from the cafeteria) I really didn’t have any expenses other than what I wanted. So I decided to increase my budget two ways. First, I obtained a job in a work-study program and second, I signed up for a credit card. This combination allowed me a lot more freedom with money and if you’re a student in need of a great card, the Citi Forward® Card for College Students might be the perfect fit.
Cardholders can also receive up to a 2% APR reduction on their purchase APR. Every three months the account stays below the credit limit and has monthly payments made on time, a 0.25% APR reduction is given. This can be achieved up to eight times.
The Citi Forward® Card for College Students has a solid rewards program, specific to young adults. ThankYou points are obtained on every purchase and are broken down as follows:
- 1 point for every dollar spent on all purchases
Up to 1,200 additional ThankYou points can be earned every year by paying on-time and staying under your credit limit (100 points a month for 12 months), and an additional 1,000 bonus ThankYou Points are earned when you sign-up for paperless statements. ThankYou points expire after five years on the Citi Forward Card for College Students. There is a limit of 75,000 ThankYou points that can be obtained every year. Also, 2,500 bonus ThankYou Points after spending $500 within the first 3 months of cardmembership. Watch your interest rate go down and your ThankYou Points go up.
Also important to mention is that every Citi Forward Card for College Students holder will receive a 0% intro APR on purchases for seven months. After that, the purchase APR becomes 13.99% – 23.99% variable, depending on the applicants credit history. Students can also take comfort in the fact that this credit card has no annual fee.
- Visit the secure application page of the Citi Forward® Card for Colleges Students to apply or find out more.