The Citibank Student Credit Card is one of the top student credit card offers available today. These student cards are specifically designed for college students; to help students capitalize on this unique and exciting time of life. The Citibank student credit card comes with an excellent cash back program and it does not matter if you have bad credit because no credit history is required to be approved. The card has no annual fee and is among the best credit cards because of its six month no APR period, allowing new card holders to make a balance transfer. A college student needs a better form of payment than cash and the Citibank student credit card seeks to give these students the freedom they need along with credit card rewards that will ensure financial stability.
With so many student credit cards being offered the best thing a consumer can do is compare multiple offers. Most college students are buying their first credit card and it easy to become enticed by flashy offers. However, in order to truly get the best credit card available, you must learn exactly what you need and who is offering it.
The Citibank student credit card is a great beginner credit card because it allows students to build a credit history at a stage in their life when they do not carry a large amount of financial independence, thus freeing them from possible financial consequences. The citi bank student credit card has a great cash back reward program. This cash back reward program rewards purchases made with the citi card at supermarkets, drugstores, gas stations and other participating market partners by giving a 5% cash rebate. Any purchases made not at a participating market partner are still awarded 1% cash back. This bonus offer of 1% on all purchases can really add up throughout the course of a year. The Citibank credit card is just like any American express, Visa, Master card or Capital One card available. The difference however, is in the details of the contract.
Read consumer reviews on all possible student credit cards to discover which cards and companies are getting positive reviews. Learn from students who have had the credit card for a year or more before taking a chance on a deal you think sounds good. Many credit card offers will attempt to trick you into purchasing on the spot by promising flashy rewards that do not amount to much in the end. For example, if this is your first card then the balance transfer option is a completely useless perk. A reward you may want however is a no annual fee or low interest rate.
By comparing multiple offers and finding the card with the right rewards and a decent interest rate you can rest assured that you have done all the research possible and you are walking away with the best credit card deal available.