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Citi ThankYou® Preferred Card for College Students-Earn 2,500 Bonus Points

Credit Card for College Students with ThankYou® Points

Citi ThankYou® Preferred Card for College Students-Earn 2,500 Bonus Points

Credit Card for College Students with ThankYou® Points

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 25 Offer Ratings
Over the Past 60 Days!

(25 ) Over the Past 60 Days!

  • Regular Purchase APR 15.99% - 25.99%* (Variable)
  • Intro Purchase APR 0% for 7 months*
  • Intro BT APR N/A
  • Annual Fee $0*
  • Credit Needed

    Good

  • Card Brand Mastercard®

Highlights

Card Fees

Expert Review of the Citi ThankYou® Preferred Card for College Students

  • 4.0

    Regular APR

  • 3.5

    Intro APR

  • 3.5

    Fees

  • 4.0

    Benefits

  • star rating 4.0 /5

    Overall Rating

Who the card is best for

The Citi ThankYou® Preferred Card for College Students is a good $0* annual fee card for college students who frequently spend on dining and entertainment. Not only do you receive a rewards program tailored to those purchases, but a great added benefit with Citi® Private Pass® — offering special access to thousands of events each year.

Since you earn a high rate on dining and entertainment purchases, students who don’t spend in those categories will earn a low rewards rate and may be better off with other student cards. Also, students who don’t have good credit should look for other cards that accept fair and limited credit since you may find it hard to qualify.

Where this card stands out in its category

This card has a great money-saving feature with Citi Price Rewind. With this feature, you register eligible items on Citi Price Rewind, and for the 60 days from initial purchase date, Citi will search hundreds of online merchants to see if there is a lower price available. If a lower price is found you may receive the difference. Citi Price Rewind has already paid out over $12 million to cardholders between January and September 2017, and you can become a part of the savings with this card.

Where this card falls short in its category

The Citi ThankYou® Preferred Card for College Students has a foreign transaction fee of 3% of each purchase transaction in US dollars. Students that travel outside the U.S. during breaks or study abroad will incur the fee on each purchase. You can find other student cards that don’t charge foreign transaction fees like those by Discover.

Additional card benefits

The Citi ThankYou® Preferred Card for College Students offers several additional card benefits:

  • Citi Price Rewind: This feature has the potential to save you a lot of money. With Citi Price Rewind, simply register an item you’ve purchased with your card and Citi will search for a lower price for 60 days from the initial purchase date. If a lower price is found, you may receive the difference between the price you paid and the lower price found.
  • Citi® Private Pass®: Receive special access to entertainment events ranging from concerts to dining experiences, sporting events, and more.
  • Citi® Concierge: Representatives are available to answer questions you may have regarding travel, shopping, dining, entertainment and everyday needs.

How to use it most effectively

To gain the most value from the Citi ThankYou® Preferred Card for College Students, be sure to use it for all purchases at restaurants and on entertainment since you earn the most points for those transactions. Also, be sure to meet the requirements of the signup bonus: earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening.

Register eligible new purchases with Citi Price Rewind, and if a lower price is found within 60 days you can potentially receive a credit for the difference. This is a good way to retroactively receive a discount for a product.

Rewards breakdown

The Citi ThankYou® Preferred Card for College Students offers 2 ThankYou® Points per dollar spent on purchases for dining and entertainment, 1 ThankYou® Point on other purchases. ThankYou® Points can be redeemed for statement credit, cash rewards, gift cards, travel, merchandise and more. The value of points varies based on redemption option and you receive the most value when redeeming for travel or gift cards.

There is a signup bonus where you can earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening.

Compare it with the Discover it® chrome for Students

Both the Citi ThankYou® Preferred Card for College Students and the Discover it® chrome for Students offer different value for students and the best option depends on how you plan to use the card. Both cards are comparable in restaurant rewards, but if you’re a student who often goes to concerts and other entertainment events, the Citi ThankYou® Preferred Card for College Students is a better choice. Meanwhile, if you’re a commuter student the Discover it® chrome for Students provides more value.

Looking at additional card perks, the Citi ThankYou® Preferred Card for College Students is a standout with the unique Citi Price Rewind feature that can reimburse you money as well as Citi® Private Pass®. The Discover it® chrome for Students lacks additional card benefits that are in line with what Citi offers.

Here’s a breakdown of the key features of each card:

  Citi ThankYou® Preferred Card for College Students Discover it® chrome for Students
Annual Fee $0* $0
Purchase Intro Rate 0% for 7 months* 0% for 6 Months
Balance Transfer Intro Rate N/A 10.99% for 6 Months
Balance Transfer Fee Either $5 or 4%, whichever is greater 3%
Regular Purchase APR 15.99% - 25.99%* (Variable) 14.49% - 23.49% Variable
Rewards 2 ThankYou® Points per dollar spent on purchases for dining and entertainment, 1 ThankYou® Point on other purchases 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter--no sign-ups needed. 1% cash back on all your other purchases
Sign Up Bonus Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening Discover will automatically match all the cash back you earn at the end of your first year.
Foreign Transaction Fee 3% of each purchase transaction in US dollars None

Bottom Line

College students who spend on dining and entertainment will benefit the most from the rewards and additional perks offered by the Citi ThankYou® Preferred Card for College Students.

Ongoing Information

Additional Card Details

Consumer Reviews

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Offer Rating

3.8/5.0

25 Total Ratings

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1 Star
 
 
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Your Rating

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+23 users submitted a rating without a full review

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80 Found this review helpful

By: | Oct 8, 2014

This credit card is great for college student who have started building up their credit and are looking to get a card that offers a little more "rewards". The no annual fee and 0% intro APR for the first 7 months is great! But the first downfall is the variable APR after the intro is not that great. The other downfall would be for this card is that many college students either travel or study abroad and being charged 3% on every foreign transaction is a fee that can start to add up if they carry the card instead of currency. Which many probably would considering it has the Chip technology.

78 Found this review helpful

By: | Oct 7, 2014

No annual fee, cash back on purchases, & 0% intro APR is nice, but the variable APR isn't great. Good for a college student, but not great for after.

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