Citi Rewards+ Student Card
Citi · Student review
Students who make frequent small purchases — coffee, transit, study supplies — and want the round-up feature that rounds
Sorted by score, never commission
Annual fee
$0
No annual fee, every year
Ongoing APR
Variable APR — verify current range at citi.com
Variable — verify the current range at the issuer
As of July 8, 2026
Best for
Students who make frequent small purchases — coffee, transit, study supplies — and want the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points. It earns 2X at supermarkets and gas (up to $6,000/yr, then 1X), 1X elsewhere, at a $0 annual fee, and reports to all three bureaus.
Not for
Students who dine out a lot (the SavorOne 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
The round-up advantage is real on sub-$10 buys but shrinks on larger purchases, so the card rewards a specific spending pattern. The $6,000/yr cap on 2X supermarket earning rarely binds for student-level spend. Confirm current terms at citi.com before applying.
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
- Variable APR — verify current range at citi.com
- Schumer Box verified
- July 8, 2026
How we scored this card
See our published methodology — 5 dimensions, 0–20 each, 100-point total.
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 8, 2026. Rates change — confirm the current terms at the issuer.
What APR does the Citi Rewards+ Student Card charge?
Variable APR — verify current range at citi.com. 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?
Students who make frequent small purchases — coffee, transit, study supplies — and want the round-up feature that rounds every purchase up to the nearest 10 ThankYou Points. It earns 2X at supermarkets and gas (up to $6,000/yr, then 1X), 1X elsewhere, at a $0 annual fee, and reports to all three bureaus.
Who should skip the Citi Rewards+ Student Card?
Students who dine out a lot (the SavorOne 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 whether an honest weakness is 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 APRVariable*Foreign txn feeNoneBest 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 · 2026-07-08
- Capital OneSolid pick
Capital One SavorOne Student
87/100Annual fee$0Ongoing APRVariable*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 · 2026-07-08
- Capital OneSolid pick
Capital One Quicksilver Student Cash Rewards
84/100Annual fee$0Ongoing APRVariable*Foreign txn feeNoneBest forStudents who want the simplest possible cash-back card — a flat 1
Fees sourced from issuer terms · 2026-07-08
