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3.7/5.0 from 36 Offer Ratings
Over the Past 60 Days!
Foreign Transaction Fee
Balance Transfer Fee
4% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Up to 29.99% (Variable)
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.
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.
The Citi ThankYou® Preferred Card for College Students has a foreign transaction fee of 3%. 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.
The Citi ThankYou® Preferred Card for College Students offers several additional card benefits:
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.
With the Citi ThankYou® Preferred Card for College Students cardholders can earn 2x points on dining out & entertainment and earn 1x points on all 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.
Both the Citi ThankYou® Preferred Card for College Students and the Discover it® Student chrome 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® Student chrome 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® Student chrome 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® Student chrome|
|Purchase Intro Rate||0% for 7 months on Purchases*||0% for 6 Months|
|Balance Transfer Intro Rate||N/A||10.99% for 6 Months|
|Balance Transfer Fee||4% of each balance transfer; $5 minimum.||3%|
|Regular Purchase APR||15.99% - 25.99%* (Variable)||14.49% - 23.49% Variable|
|Rewards||Earn 2X Points on Dining Out & Entertainment and Earn 1X Points on All 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%||None|
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.
Earn 2X Points on Dining Out & Entertainment and Earn 1X Points on All Other Purchases
$0 Fraud Liability
Auto Rental Insurance
Extended Warranty Program
Flight Accident Insurance
Lost Luggage Reimbursement
36 Total Ratings