The credit cards that were available to me while I was in college were a far cry from the student credit cards available today. While many issuers offered free gifts for signing up, like tee-shirts and Frisbees, the cards came with extra fees and unfavorable terms. Students who handled credit cards improperly while back in that era paid the price for their errors with unmanageable debt. Issuers now offer better deals for college students, with quality credit cards for students eager to build credit, particularly for students that have taken advantage of more resources for learning about responsible money management available today.
The Citi® Dividend® Card for College Students is a top cash back credit card for students, earn 5 percent cash back every quarter in must-have categories like department stores, travel and more, enrollment each quarter is quick and easy. Each customer must sign up for this benefit on a quarterly basis to earn the 5 percent cash back in rotating categories throughout the year. All other categories of spending on purchases earn a cash back rate of 1 percent, which is the highest offered by a student credit card. Cardholders may earn a total of up to $300 per calendar year.
The purchase APR on the Citi Dividend Card for College Students is competitive with many other top consumer credit cards, offering a 13.99% – 23.99% variable APR, depending on the quality of applicant’s credit history. Citi offers a 0% introductory APR on purchases for seven months. After the introductory period the purchase APR will vary with the market based on the Prime Rate and is currently 13.99% – 23.99% variable, based on your creditworthiness.
There is no annual fee for owning this credit card. You can choose your payment due date and manage your account online, on your tablet or on your Smartphone. This card can be used to build credit while earning cash back.
Any student looking for a cash rewards credit card with excellent terms and a solid rewards program should consider the Citi Dividend Card for College Students. It continues to be one of the best college student credit cards available today. Click on one of the links in this article for pricing details.
Important Note! The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we can not guarantee the accuracy of the information in this article. Please verify all terms and conditions of any credit or charge card prior to applying.
Updated February 10, 2014 and originally published July 15, 2011. If you enjoyed this article, subscribe to the RSS feed or receive daily emails. Follow @ConsumerismComm on Twitter and visit our Facebook page for more updates.