As a college student, establishing and building credit for your future is important. Many credit card companies, however, aren’t willing to extend that credit. Citibank is an exception because they offer the Citibank Citi Forward Visa card for college students.
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One of the hardest parts that students face when building credit is finding a card with good credit rates. In addition, many student credit cards with high rates remain high for the duration of the cards existence. This is where the Citi Forward card is different, Citibank reduces your APR as you continue to make on time payments while remaining under your credit limit!
Citi Forward Card Benefits
The first thing that you will have to understand is that this is not a bad credit credit card; it is designed for students with no credit history, not a bad credit history. A major benefit to this card is that it does not require you to have a cosigner to qualify for the card.
The Citi Forward card is a rewards card that offers you two points for every $1 you spend at any restaurant. In addition, you receive two points per $1 when you purchase books, music or you go to the movies as well. There are no other ways to earn points, however.
Citi Forward Card Bottom Line
This isn’t a bad card for students; however, you do need to be careful to make all of your payments on time. One down side is if you only qualify for the 22.99% rate, then the lowest your interest will ever be is 20.99%, which is fairly high.
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