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Citi Forward® Card for College Students

Offered by: CitiBank

30 comments | Comment on this offer

Details

Purchase Intro Rate	0%
Purchase Intro Period	7 Months
Balance Transfer Intro Rate	0%
Balance Transfer Intro Period	12 months
Regular APR	12.99%-19.99% (V)
Balance Transfer Rate	12.99%-19.99% (V)
Cash Advance Rate	25.24%
Annual Fee	None
Late Fee	See Terms
Cash Advance Fee	5.00%, Min: $10
Balance Transfer Fee	4.00%, Min: $5

Citi Forward® Card for College Students features:

No Cosigner required
APR reduction on purchases when using credit wisely
100 ThankYou Points each billing period that you pay on time and stay under your credit line
Earn up to 8,500 bonus points after you sign up for paperless statements and make $250 in purchases within the first 3 months of account opening.
0% APR for 7 months on purchases.
0% APR for 12 months on balance transfers.

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer Now" button, you can review the credit card terms and conditions on Provider's website.

Comments

30 Total Comments

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This is a nice card. I've had it since march 09 when it launched, and by paying on time every month, I've reduced my APR to 11.74% already. I also like their 5 points/dollar on food/movies. The only complaint I have is their 3% charge on international purchases. I was a little surprised the first time I saw this, but they have paid me more in rewards than I have in fees, and I haven't paid any interest yet, so I'm happy with it.

hushnak 9 months ago

DO you mind sharing what your credit score is?

smcollaz 9 months ago

currently it is 757.

hushnak 8 months ago

Really pleased with this card. Applied and was approved with a score of then 738 and a limit of $3500, love the bonus reward points, got myself a $90 digital camera with the reward points earned in just a month and a half having this card. Still in the intro 0% APR. And I have to say, beautiful card design! Citi has a great website for their cards, easy to use, good customer service so far! Very impressed and looking forward to the actual apr going down with on time payments.

tlotlo 8 months ago

Good Card....

VEERAPRAKASH 8 months ago

Applied and accepted with virtually no credit (too thin of a file even to check on CK). College freshman with part-time job income @ min. wage.

Love the rewards (I've made ~$100 worth so far). APR reduction isn't a big deal since I always pay it off, but could be useful for some.

mflotron 7 months ago

Pretty cool card so far... Approved with credit score of 670 with $500 limit. Activation was easy, no pestering about signing up for the credit protection at all! I'll be writing back soon with more how I feel about this card but as of now, all +'s!

usad20 7 months ago

Cool card,I got it in Oct 2009 with limited credit,CS of 700 and over 10 inquiries,$3000 limit.I love this card.

opyjoby 6 months ago

Denied 665

bjizzle90 6 months ago

Very pleasant surprise today... card came in with $4,000 limit with my score here at CK at 650. That's more credit than I'll ever need as far as I'm concerned, and it floored me - I was hoping for a meek 1-2k, thinking that's all my relatively weak credit history will afford me if anything at all(I mean, it's good, but it's short, thus weak). I have an outstanding loan of bit over $1.2k remaining and a Public Savings Bank secured with a $300 limit - both of which I've had about half a year now, and I strongly suspect these to be very important here. I share a Best Buy card after my parents added me a year or two ago, too - this might have hit the 2 card threshold someone else mentioned here.

The only downside so far was that the call to activate took a whopping 10 minutes of my time, at least half of it spent hearing stuff I already read in the booklets I got with the card. Courteous and professional, though, even if slightly on the pushy side.

siteml 4 months ago

Is there an annual fee on this card? Also, does it hurt my credit move from one Citi card (I've had the MTVU card for about 4 years) to another? I like the terms of this one better.

aprudden 3 months ago

The best thing you can do for your credit is to keep your MTVU card as it is greatly helping your score since you've had it for 4 years. Average age of accounts has an impact on your credit score and closing this account will surely have a negative impact if you are like me and have little credit history. Unless you are paying a big annual fee keeping this card active in good standings and using it every so often on small purchase is a great idea.

diggsb4477 3 months ago

Comment On This Offer

Credit Score Approval Data

Ideal for those with Fair Credit:

685

AVERAGE Credit Score Approved for this Card

632

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.