Citi Rewards+℠ Student
The Citi Rewards+℠ Student from Citi earns up to 1.6% effective value on grocery in Madeen's catalog snapshot. It has no annual fee. Madeen compares this card against the cards you already carry — no bank login required.
- Top category
- Grocery
- Effective value
- 1.6%
- Annual fee
- $0
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Madeen compares public issuer terms with its card-rule catalog. Issuer pages control rewards, fees, benefits, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice.
What does the Citi Rewards+℠ Student earn in each category?
Grocery is the strongest category at 1.6% effective value (2x points at about 0.8 cents each). That grocery rate ranks higher than about 45% of the 1,552 cards we track in that category. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Grocery is the strongest category at 1.6% effective value (2x points at about 0.8 cents each). That grocery rate ranks higher than about 45% of the 1,552 cards we track in that category.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1x points | 0.8% |
| Grocery Supermarkets and grocery stores | 2x points | 1.6% Top category |
| Gas Gas stations and fuel | 2x points | 1.6% |
| Travel Flights, hotels, transit | 1x points | 0.8% |
| Other General everyday spend | 1x points | 0.8% |
Madeen values Citi ThankYou Rewards at about 0.8 cents each. Madeen compares every card using this cash-equivalent estimate while still showing the raw earn rate for context.
What are the Citi Rewards+℠ Student reward caps and conditions?
The Citi Rewards+℠ Student has 1 notable cap or condition rule(s) in Madeen's catalog, including activation windows, spend limits, and category exclusions. Review each bullet below before assuming unlimited earn rates. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Earn 2 ThankYou® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Capped at $6000 per year.
Who should get the Citi Rewards+℠ Student?
The Citi Rewards+℠ Student fits spenders who put meaningful volume in grocery and can earn 2x points. Best for spenders who put meaningful volume in grocery and can earn 2x points. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Citi Rewards+℠ Student fits spenders who put meaningful volume in grocery and can earn 2x points. Madeen ranks its grocery effective rate higher than about 45% of the catalog in that category. Compare it against cards you already carry with Madeen — no bank login required.
Best for spenders who put meaningful volume in grocery and can earn 2x points.
Foreign transaction fees make it weaker for international spend.
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Pros
- Strongest Madeen category is grocery at about 1.6% effective (2x points).
- No annual fee in our catalog snapshot.
Cons
- Charges $5 foreign transaction fees.
- Citi ThankYou Rewards value depends on how you redeem, not straight cash back.
Does the Citi Rewards+℠ Student have an annual fee, and what's the welcome bonus?
The Citi Rewards+℠ Student has an annual fee of $0 and a foreign transaction fee of $5. Issuer pages control fees and offers; Madeen labels this as catalog analysis, not issuer-confirmed terms. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
- Annual fee
- $0
- Foreign transaction fee
- $5
Common questions about the Citi Rewards+℠ Student
Does the Citi Rewards+℠ Student have an annual fee?
The Citi Rewards+℠ Student carries an annual fee of $0 in Madeen's catalog snapshot. Issuer terms can change, so confirm the current fee on the issuer's site before you apply. Madeen does not predict approval or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What category earns the most with the Citi Rewards+℠ Student?
Grocery is the strongest Madeen category for the Citi Rewards+℠ Student at about 1.6% effective value, based on our catalog snapshot and standard point valuations. Other categories are listed in the effective-rate table on this page. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
Does the Citi Rewards+℠ Student charge foreign transaction fees?
The Citi Rewards+℠ Student charges a foreign transaction fee of $5 in our catalog snapshot. Check issuer terms before international spend because rates and fee waivers can change. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
What credit score do you need for the Citi Rewards+℠ Student?
Madeen's catalog lists a typical credit range of Good for the Citi Rewards+℠ Student. Issuers decide approval using their own criteria; Madeen does not predict approval odds or prequalification. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do you redeem rewards on the Citi Rewards+℠ Student?
Rewards on the Citi Rewards+℠ Student post as Citi ThankYou Rewards. Redemption value depends on how you use Citi ThankYou Rewards (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How do I maximize rewards on the Citi Rewards+℠ Student?
To maximize the Citi Rewards+℠ Student, route grocery and other bonus categories through this card when they match your spend, then compare it against cards you already carry with Madeen at checkout—no bank login required. Madeen summarizes catalog reward rules for comparison only; issuer pages control current fees, caps, exclusions, and eligibility.
How does the Citi Rewards+℠ Student compare to similar cards?
Compare the Citi Rewards+℠ Student against Citi Dividend (5% on Grocery, $0 fee); AllModern Mastercard (3% on Grocery, $0 fee); American Airlines AAdvantage MileUp Mastercard (3% on Grocery, $0 fee). Madeen ranks effective value by category and annual fee using the same catalog snapshot dated 2026-05-01.
| Card | Top category | Effective value | Annual fee |
|---|---|---|---|
Citi Rewards+℠ Student This card | Grocery | 1.6% | $0 |
Citi | Grocery | 5% | $0 |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 | |
| Grocery | 3% | $0 |
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