Citi Forward® Card for College Students
The Citi Forward® Card for College Students , issued by Citibank, is a rewards credit card ideal for college students who appreciate smart savings, great rewards and extra protection on a card. You can even reduce your APR for purchases over time when you use your credit responsibly.
0% Intro APR – Enjoy an interest-free period on purchases for 7 months with a 0% introductory APR offer. You will pay no interest charges during this time, and a variable APR between 13.99% - 22.99% will apply thereafter. This APR will be based on your creditworthiness and the prime rate.
APR Reduction – You can lower your APR on purchases by up to 2% when you make a few smart credit choices. Make a purchase, stay under your credit limit and pay on time for three consecutive billing periods to receive an APR reduction by .25%. Your purchase APR can be lowered by a maximum of 8 times, up to a total reduction of 2% during the time your card is active.
100 ThankYou Points – As an added bonus, you can earn 100 ThankYou Points each billing cycle when you pay your balance on time and stay below your credit limit. This will amount to 1,200 bonus points per year for merely being a responsible cardholder.
Paperless Statements – Nowadays you no longer have to keep checking your mail for your monthly billing statement, while running the risk of your information getting into the wrong hands. Sign up for paperless statements during your first three months of account opening and earn 1,000 ThankYou bonus points.
The Citi Forward® Card for College Students , issued by Citibank, is the one card you can rely on as you complete your college years. Whether you're close to home or out-of-town, benefits such as a 0% introductory APR on purchases and bonus ThankYou points will help you stretch your money farther than before.
Citi Forward® Card for College Students
| Name of Card | Citi Forward® Card for College Students |
| Card Issuer | Citibank |
| Card Category | Student |
| Card Status/Type | Standard / Visa |
| Credit Rating Needed | GoodGood |
| Best Feature(s) | Up to a 2% APR reduction when you use your card wisely; a number of ways to earn bonus points. |
| Minimum Credit Limit | Some credit limits may be as low as $500 |
| Maximum Credit Limit | Based on income/assets and credit report |
| Introductory APR | 0% |
| Introductory Offer | 0% Intro APR for 7 Months* |
| Additional Details | 0% Intro APR for 7 months on Purchases |
| Regular APR | 13.99% - 22.99%* (Variable) |
| Cash Advance APR | 25.24% |
| Grace Period | 23 Days |
| Annual Fee | $0* |
| Late Fee | Up to $35 |
| Over Credit Limit Fee | None |
| Cash Advance Fee | 5% of each cash advance; $10 minimum |
| Balance Transfer Fee | 3% of each balance transfer; $5 minimum. |
| Reward Type | Point |
| Reward Expiration | Points expire 5 years from the end of the month in which they are earned, unless ThankYou Rewards is terminated before that time. |
| Reward Annual Limit | 75,000, not including bonus points. |
| Reward Points Details | Cardholders earn 5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. Cardholders earn 1 ThankYou® Point per dollar spent on all other purchases. |
| Points per Dollar Spent | 1 Point |
| Additional Point Rewards | 5 ThankYou® Points per dollar spent at book stores, record stores, restaurants, movie theaters, and video rental stores. |
| Bonus Details | Earn 1,000 points after you sign up for paperless statements within the first 3 months of account opening. Earn up to 1,200 bonus points per year for each billing cycle you pay on time and stay under your credit line. |
| Other Bonuses | 1,000 Points / 1,200 Points |
| Additional Perks | See website for additional benefits. |
| Editor’s Notations | See website for complete terms and conditions of card usage and application disclosure. |
| Last Updated | May 11 2012 1:54PM |
