Citi Rewards+sm Student Card Review With Pro And Cons – 18 Points

1. Citi rewards+ student card is good choice if you spend lot of on gas and groceries. You can earn more rewards on small purchases with round up feature.

2. Reward Rate:

2X at Supermarkets & Gas Stations for the first $6,000 per year (and 1 point per $1 spent thereafter).
1X on All Other Purchases
Round Up to the nearest 10 points on every purchase
10% Points Back for the first 100,000 ThankYou® Points you redeem per year.

3. Sign Up Bonus:

Earn 2,500 bonus points after you spend $500 in purchases with your card within 3 months of account opening

4. Annual Fee:

$0

5. Regular Apr:

16.74% – 26.74% Variable APR

6. Intro apr on Purchase:

0% on Purchases for 7 months

7. Credit Needed:

690- 720 Good

8. Pros:

No annual fee
Decent reward rate
0% intro apr on purchase
Round Up to the nearest 10 points on every purchase
Sign up bonus
Flexible redemption options

9. Cons:

3% foreign transaction fee
No Intro Balance Transfer APR
Penalty APR of 29.99%
Not for Students with Poor or Fair Credit
Spending cap on earnings for grocery store and gas station purchases

10.Customer Experience:

24/7 customer service?: Yes
Online chat available?: Yes
Google Play Store mobile app rating: 3.9/5
Apple Store mobile app rating: 4.8/5

11. Other Benefits:

Shop with points on Amazon.com and BestBuy.com
Citi Private Pass
Trip cancellation and interruption protection
Worldwide car rental insurance
Worldwide travel accident insurance
Damage & theft protection
Extended warranty

12. Apr For Cash Advance:

27.49 %

13. Penalty Apr:

29.99%

14. Balance Transfer Fee:

3% Min $5

15. Cash Advance Fee:

5% Min $10

16. Foreign Transaction Fee:

3%

17. Late Payment Fee:

Up to $39

18. This Card Is Not For You:

If you dine out frequently.
If you want more reward rate.
If you travel internationally.
If you have little or no credit history.

19. Get Citi Rewards+sm Student Card:

If you do not like rotating bonus categories.
If you make many small purchases.
If you are looking for first credit card with decent rewards on every day spending.

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