Are you looking for your first credit card? Building your positive credit history is imperative to becoming a good steward of your credit. That’s why Citi Forward for College Students is a great card for those who are interested in getting their first rewards based credit card. Not only will you get a competitive interest rate, you will be rewarded for making your payments on time. The rewards do not stop there. College students also get access to Citi’s ThankYou Points rewards program which will allows for exclusive access to deals and freebies. What are you waiting for? Research the Citi Forward for College Students and you’ll see that this card has all of the right features for prudent college students.
College Students, Look No Further
Citi has made it easy for college students to find the best offer. The Citi Forward for College Students rewards students with the following perks:
- Introductory APR: Citi is generous enough to give college students an unheard of 0% introductory APR for the first 7 months.
- Low APR: Your APR will be between 13.99% and 23.99% based on your credit history.
- APR Reduction Rewards: When you pay your bill on time, your APR will gradually reduce every 3 months by .25%. You could receive up to a 2% APR reduction on this card throughout your time in college.
- $0 Annual Membership Fee: Unlike other student cards, Citi Forward for College Students does not charge you an annual fee for being a cardholder.
- ThankYou Points: Citi has loaded this student card with rewards. After spending $500 on this card within 3 months, you will get 2,500 bonus ThankYou points which will help you earn cool items that can be used to enhance your life.
Citi Rewards Responsibility with Better Rates and ThankYou Points
The best part of the Citi Forward for College Students rewards card is the ThankYou Points program that is attached to this card at no additional cost. This rewards card is highly rated by current cardholders because Citi ThankYou is known for being one of the best rewards programs in the business. You can redeem ThankYou points for things such as account credits, gift cards, travel vouchers, tickets to exclusive events and much more. In addition to the bonus offers we have already discussed, Citi is also willing to sweeten the deal by adding an additional 1,200 ThankYou points to cardholders who pay their bills on time and stay under their credit limits. Citi has upped the ante when it comes to rewarding those who are looking for their first credit card in college.
Getting the Most out of the Citi Forward for College Students Rewards Card
What strategies can college students use when getting approved for this rewards card? Think about the expenses you incur while being a student. There’s books, impromptu meet ups and seasonal formals. Each of these expenses or activities is essential to enjoying your college experience. Being able to have a line of credit that helps keep you afloat between paychecks can make your college life a lot easier. When you are not stressing over money, you can easily find a new ways to better utilize your time such as studying, working on projects or doing something fun around campus. The Citi Forward for College Students is designed with your good credit in mind. If you have never had a credit card before, this rewards card would be a good candidate for your first credit card. Many students get approved for this offer without having a credit history at all. Although your initial credit line could be small, once you start building a good report with this card, you will earn ThankYou points and you may possibly qualify for a credit line increase.
This card is perfect for those who do not like carrying cash around campus. For small incidentals such as toiletries or notebooks, this card makes much more sense versus digging through the couch looking for spare change. The best part about being a customer at Citi is that the card is designed around you. For example, you get to pick the due dates of your credit line. The Citi Forward for College Students can work to your advantage in case your paydays fall on a certain day. Most of the time, the minimum payments on your account will be between $25 and $50. If you are able to keep your balance low, making these payments will help you build a solid credit history which will put you in a position to get more financing down the road such as an auto loan or a house loan.
Additional Citi Membership Benefits
Being a member of a prestigious financial institution like Citi gives you distinct advantages when you compare the perks to what other companies are offering. For example, did you know that Citi Price Rewind is included in your card? Citi automatically goes back through your purchases to see if the same item is currently on sale. If it is, Citi Price Rewind sends you a check for the difference. This allows you to buy consumer goods with confidence knowing that you will always get the best price. Citi’s customer service is available to assist you 24/7. If you ever lose your card, Citi will never hold you liable for fraudulent charges. You are also insured on rental cars when you book your rental with this card. Since college students are so dependent upon their mobile devices, Citi has also included an insurance plan for your phone. When you pay your cell phone bill using this card each month, you are automatically enrolled in a program that insures your cell phone in case it is lost, stolen or damaged. This supplemental insurance policy is ideal for college students who need to stay connected.
The Citi Forward for College Students is a great financial tool that will help teach college aged students how to responsibly use their first credit card. This offer is robust enough that the Citi Forward for College Students can be safely recommended for any college student. Do you feel like this card is the right one for you? If so, visit the credit application page for this rewards card so that you can begin your path to establishing your good credit.