Citi Forward(SM) Card for College Students
issued by Citibank |
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read on for a full review of all the features.
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 In-Depth Credit Card Review |
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The Citi Forward(SM) Card for College Students, issued by Citibank, is for students who have it together. That\'s because this card rewards cardholders for staying within their credit limit and paying on time.
Students who use this card correctly by staying within their credit limit and paying on time will receive 100 bonus points per billing period and a potential reduction of their interest rate. Students receive a reduction of .25% when they make a purchase, stay within their credit limit, and pay on time for three months in a row. Cardholders are eligible for eight reduction, or up to a 2% total reduction.
Bonus points are rewarded for other kind acts. Cardholders get 5,000 bonus points when they sign up for paperless statements within the first 3 months of their account opening, and 6,000 bonus points when they make their first $250 in purchases within the first 3 months.
Citi Forward(SM) Card for College Students also rewards cardholders for purchases. Students receive 5 points per dollar spent at restaurants, book stores, video rental stores and movie theaters, and 1 point per dollar spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, music, electronics and more.
This card comes with a 0% intro rate on purchases and balance transfers for the first 6 months. After the introductory period, the variable interest rate is reasonable for a student credit card.
The Citi Forward(SM) Card for College Students is perfect for college students who are looking for a rewards credit card with lots of cool extras.
Most Attractive Feature: Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points.
Least Attractive Feature: Minimum cap APR for cash advances.
Note: The review of this Citibank card was updated on 10/16/2009 and is believed to be accurate during the update,
however, information posted may have since changed. We strongly suggest that you carefully read the Terms and
Conditions statement that accompanies the credit card application
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| Key Card Information |
| Introductory Rates and Terms |
| Intro Rate: | 0% APR for 6 Months |
| Applied Towards: | Purchases, Balance Transfers |
| Details: | Introductory rate is available on purchases and balance transfers. | | Miscellaneous Rates and Terms |
| Credit Limits: | n/a (Maximum) |
| Purchases APR: | 17.24%V | | Cash Advance APR: | 21.99%V There is a minimum APR on cash advances. | | Finance Config: | Average Daily Balance (including new purchases) | | Grace Period: | 20 Days (Min.) | | Fees Associated with this Card |
| Annual Fee: | $0 $0 |
| Add. Cardholders: | $0 |
| Late Payment Fee: | $15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over |
| Over-the-Limit Fee: | $39 | | Cash Advance Fee: | Cash advance fee is 3.0% of each cash advance amount, $5 minimum. |
| Balance Transfers: | Balance transfer fee is 3.0% of each balance transfer amount, $5 minimum. |
| The Rewards Program Highlights |
| Optional Reward: | No |
| Points Per Dollar: | 1 Point |
| Additional Points: | 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores.
6,000 bonus points after first $250 in purchases made within the first 3 months of account opening; 5,000 bonus points when you sign up for paperless statements. |
| | Cardholders earn 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 Thank You Point per dollar spent on all other purchases. |
| Expiration: | 5 Thank You Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. |
| Yearly Limit: | 75,000, not including bonus points. |
| First Purchase Bonus: | 6,000 Points |
| Other Bonus: | 5,000 Points |
| | 6,000 bonus points after your first $250 in purchases made within 3 months of opening the account. 5,000 bonus points when you sign up for paperless statements within 5 months of opening account. |
| Additional Highlights of Interest |
Special Card Benefits and Features
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See website for additional benefits.
Important Notes Regarding This Offer
See website for complete terms and conditions of card usage and application disclosure.
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