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Citi ThankYou® Preferred Card for College Students

Citi ThankYou® Preferred Card for College Students


Rated 4/5 stars by our editorial team

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3.9/5.0 from 23 Offer Ratings
Over the Past 60 Days!

(23) Over the Past 60 Days!

  • Regular Purchase APR 16.49% - 26.49%* (Variable)
  • Intro Purchase APR 0% for 7 months on Purchases*
  • Intro BT APR N/A
  • Annual Fee $0*
  • Credit Needed


  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • Enjoy 0% Intro APR for 7 months on purchases from date of account opening; after that the variable APR will be 16.49% - 26.49% based upon your creditworthiness*
  • Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
  • 2,500 ThankYou® Points are redeemable for $25 in gift cards, electronics and other great rewards when redeemed at
  • Earn 2X Points on Dining Out & Entertainment
  • Earn 1X Points on All Other Purchases
  • No expiration and no limit to the amount of points you can earn with this card
  • No annual fee*

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 4% of each balance transfer; $5 minimum.

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate Earn 2X Points on Dining Out & Entertainment and Earn 1X Points on All Other Purchases

Annual Fee $0*

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance No

Flight Accident Insurance Yes

Lost Luggage Reimbursement No

Concierge Service Yes

Expert Reviews

From the Editorial Team

With the Citi ThankYou® Preferred Card for College Students, from our partner Citi, you have many ways to earn points on your purchases and you'll get the best credit cards for college students! To start, new cardmembers can earn 2,500 bonus ThankYou Points after spending at least $500 in purchases in the first 3 months of membership. Citibank student credit card members can earn 2x points on dining out & entertainment and earn 1x points on all other purchases.

ThankYou Points don't expire and there's no cap on the number of points you can earn. ThankYou Points can be redeemed for merchandise, travel, rewards, gift cards, cash and more. If you can’t find a reward that appeals to you, contact Citibank and they may be able to create one just for you through their Your Wish Fulfilled option.

This is a great credit card for college students who travel because it comes equipped with pin-and-chip technology, which also adds another layer of security. Citibank does advertise its products on CompareCards.

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

  • 4.0

    Regular APR

  • 3.5

    Intro APR

  • 3.5


  • 4.0


  • star rating 4.0/5

    Overall Rating

The Bottom Line

The Citi ThankYou® Preferred Card for College Students earns cardholders ThankYou® Points on all purchases and comes with a bonus of 2,500 ThankYou Points for new cardmembers.

The Good

Rewards are endless with this card, which is a rare feature in student credit cards, especially in cards that have no annual fee. Earn 2X Points on Dining Out & Entertainment and Earn 1X Points on All Other Purchases.

The Not so Good

You need Good Credit to get approved, which might make it difficult for some college students. For those who plan to travel over seas there is a foreign transaction fee of 3% per transaction.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


23 Total Ratings

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1 Star

Your Rating

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These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+21 users submitted a rating without a full review

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86 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.

81 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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