Citi Rewards+ Student Card
Citi · Student review
Existing Rewards+ Student cardholders keeping the card for the round-up feature that rounds every purchase up to the nea
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
18.24% – 27.74% variable (existing cardholders only — closed to new applicants since April 2025)
Variable — verify the current range at the issuer
Balance transfer fee
3% (min $5) within 4 months of account opening, then 5% (min $5)
Per transferred balance
As of July 20, 2026
Best for
Existing Rewards+ Student cardholders keeping the card for the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points, plus 2X at supermarkets and gas (up to $6,000/yr, then 1X). Citi closed Rewards+ Student to new applicants in April 2025, so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today.
Not for
Anyone trying to open this card new — it isn't obtainable. Among existing holders: students who dine out a lot (the Savor Student and Discover it Student Cash Back reward dining directly) and anyone who travels internationally — a foreign transaction fee applies on purchases abroad.
The catch
This card can't be applied for anymore. Citi closed Rewards+ Student to new applicants in April 2025; existing cardholders keep their terms and can keep using the card, but the application no longer exists. The round-up advantage is real on sub-$10 buys but shrinks on larger purchases. We keep this review live for existing-holder reference, not as an active pick.
Card facts
Sourced from the issuer's published Schumer Box and terms — confirm current numbers at the issuer.
Product specs
- Annual fee
- $0
- Ongoing APR
- 18.24% – 27.74% variable (existing cardholders only — closed to new applicants since April 2025)
- Balance transfer fee
- 3% (min $5) within 4 months of account opening, then 5% (min $5)
- Schumer Box sourced
- July 20, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
Get an email when Citi Rewards+ Student Card's offer changes.
We track Citi Rewards+ Student Card's current offer and terms. We'll email you the moment they change — no checking back.
Frequently asked
Does the Citi Rewards+ Student Card charge an annual fee?
No. The Citi Rewards+ Student Card carries a $0 annual fee, sourced from the issuer's published Schumer Box as of July 20, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Citi Rewards+ Student Card charge?
18.24% – 27.74% variable (existing cardholders only — closed to new applicants since April 2025). APRs are variable and set by the issuer — confirm the current range on the issuer's Schumer Box before you commit.
Who is the Citi Rewards+ Student Card best for?
Existing Rewards+ Student cardholders keeping the card for the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points, plus 2X at supermarkets and gas (up to $6,000/yr, then 1X). Citi closed Rewards+ Student to new applicants in April 2025, so this review exists for current holders and this-card-vs-that comparisons — nobody can newly apply for it today.
Who should skip the Citi Rewards+ Student Card?
Anyone trying to open this card new — it isn't obtainable. Among existing holders: students who dine out a lot (the Savor Student and Discover it Student Cash Back reward dining directly) and anyone who travels internationally — a foreign transaction fee applies on purchases abroad.
How did ClearValue score the Citi Rewards+ Student Card?
Citi Rewards+ Student Card scored 80/100 — "Solid pick". We score every card across five dimensions (effective rewards, fee structure, audience fit, transparency, and the weakness named), 0–20 each. Scores are never influenced by commission. See our methodology for the full rubric.
Alternatives to the Citi Rewards+ Student Card
Other student cards we've scored, ranked by our methodology.
- DiscoverSolid pick
Discover it Student Cash Back
88/100Annual fee$0Ongoing APR16.49–25.49%Intro APR0% · 6 moBest forCollege students with limited or no prior credit who want the strongest year-one return on a no-fee card — 5% on rotatin
Fees sourced from issuer terms · 2026-07-18
- Capital OneSolid pick
Capital One Savor Student Cash Rewards
87/100Annual fee$0Ongoing APR18.49–28.49%Foreign txn feeNoneBest forStudents who spend on dining out, entertainment, streaming, and groceries and want consistent category rewards with no a
Fees sourced from issuer terms · 2026-07-21
- Capital OneSolid pick
Capital One Quicksilver Student Cash Rewards
84/100Annual fee$0Ongoing APR18.49–28.49%Foreign txn feeNoneBest forStudents who want the simplest possible cash-back card — a flat 1
Fees sourced from issuer terms · 2026-07-21
