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Citi Forward® Card

The following Citi Forward® Card for College Students brought to you by CreditCardAssist.com and Citibank, is a great rewards credit card for college students that offers APR reductions and bonus points for student cardholders that stay within their credit limit and pay on time.

Citi Forward® Card for College Students

The credit card that rewards students for good behavior
Up to a 2% purchase APR reduction when you make a purchase, stay under your credit line and pay on time 3 billing periods in a row
3,500 bonus points after $250 in purchases are made within 3 months of account opening
2,500 bonus points when you sign up for paperless statements within 3 months of account opening
5 rewards points for every $1 you spend on dining, books, movies and music. 1 reward point for every $1 you spend on other purchases
0% APR for 7 months on purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on Purchases*	7 Months*	Prime + 13.99%* (Variable)	No	Yes*	Good Credit*

Editor's Review: The Citi Forward® Card for College Students is a a great new rewards card offer for college students. Student cardholders that can stay within their credit limit and pay on time will be rewarded with interest rate reductions as well as bonus points.

The introductory offer is 0% for 7 months on purchases and the ongoing APR is competitive and comparable to similar offers once the introductory APR expires.

Students who can be sure to pay their bill on time and also stay within their credit limit will receive 100 bonus points for each billing period they do so. Students can also get their APR reduced as well for paying on time and staying underneath their limit. Reductions in the APR will be awarded .25% increments but only after 3 months in a row of making a purchase, staying underneath the established credit limit and also getting their bill paid on time. It's important to note that in order to qualify for the rate reductions, you must do both - stay within your limit and pay your bill on time. Students can get a total of 8 rate reductions, for a maximum APR reduction on the card of 2%.

Student cardholders can also earn 2,500 bonus points if they sign up for paperless statements and 3,500 bonus points after making their first $250 in purchases. However, cardholders must sign up within the first 3 months of opening the account to qualify for these bonus rewards.

The Citi Forward® Card for College Students also gives cardholders up to 5 points for every dollar spent at their local restaurants, video rental storesm movie theaters, or book stores. Cardholders will qualify for 1 point per dollar spent on all other purchases. Points can be redeemed through the Thank You network for gift cards, music, electronics, or even cash.

(Review Date: March 5, 2009)


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