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Citi Forward for College Students

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  • Up to 2% APR reduction, if you pay your bills on time and don’t exceed your credit limit they reduce your APR substantially.
  • Earn Rewards for paying your bills on time every month
  • No co-signers required – so long as you have a decent credit score, any college student could sign up for this card
  • Extensive Rewards system built around thank-you points
  • Use Thank-you points to get everything from gift certificates to checks in $50 or $100 denominations

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 13.99-22.99% None 7 months
  • Purchase Intro Period: 7 months
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 13.99%, 18.99%, or 23.99%
  • Cash Advance Rate: N/A
  • Late Fee: Up to 29.99%
  • Cash advance Fee: Either $10 or 5% of the amount of each cash advance
  • Balance Transfer Fee: $5 or 4% of the amount of each transfer
  • Cash Advance Minimum: 10$
  • Balance Transfer Minimum: 5$
  • Credit Profile: None

Citi Forward for College Students Review

The Citi Forward Card for students is a great student credit card because it offers a very enticing rewards system in addition to not requiring a co-signer.  One of the most important things about having a credit card as a student is is building credit, and Citi offers a way for responsible people without extensive experience a means to do that.  At the same time, the card offers competitive rewards, however, it is worth pointing out that these rewards are capped and also expire after 5 years.

While the Citi Forward credit card is a strong option, we'd also recommend exploring the Discover It Student Credit Card, as it similarly offers a very strong Rewards Program.