College Student Card

Citibank offers a wide range of credit cards to meet the financial as well as various personal requirements of its clients. Thus, there are business cards, entertainment cards, frequent flyer cards, professional cards, reward cards, so on and so forth. College students too have been equipped with credit cards to deal with their financial problems.

The Citi Platinum Select Card for College Students is one among the very best student credit cards issued by Citibank. Better known as Citi Student Credit Card, the Citi Platinum Select Card for College Students is quintessentially designed for students with a good credit history. The platinum level benefits, at the same time, pave the way towards building a sound credit history, which ultimately helps one in every sphere of life.

Unique Attributes

The Citi Platinum Select Card for College Students has some quality features that are rare with other college students’ card. Have a look at the following features:

§ For the Citi Platinum Select Card, you never need to show a minimum income or even a co-signer.

§ With this card, you are entitled to receive 25% off and free shipping at Peterson’s (considered the leader in education information and career opportunities).

§ The card allows you to buy clothing, textbooks, even rent cars and buy/rent other items or services that you may need as a college student.

§ This card is also favored for its coverage, as it accepted at many locations.

§ The Citi Platinum Select Card for College Students allows you to make a single monthly payment for the most of your expenses, each month.

Key Features

The features of Citi Platinum Select Card for College Students are designed to suit the needs of college students. Go through the particulars below to get a clear idea:

§ The card offers you a commendable introductory APR of 0% for 6 months on cash advances, purchases, and balance transfers, until you default under any agreement of the card

§ The extra advantage of card is that you do not even have an annual fee

Extra Benefits

Citi Platinum Select Card for College Students comes with several innovative security measures, theft solution programs and several other benefits as mentioned below:

§ You can place your photo on your credit card in order to minimize the chances of in-store theft using your card. With Citibank’s strict adherence to the privacy policy, your personal information is always secure.

§ You are covered under a zero liability program so that you are not held responsible for any purchases you do not make.

§ There are other services like lost luggage assistance, emergency transportation coverage, etc.

§ Your also receive the assistance of medical and legal referrals while traveling in the US or abroad.

§ A $1 million automatic travel accident insurance protects you and your family members (all dependent members).

§ You will be able to ask for replacement card or additional cards. You are free to talk to a customer service representative any time to receive cash advances.

§ The access to online facilities lets you view past statements, pay your bill, check unbilled activity, receive email updates when your bill is due.

§ Any purchases you make with your credit card remain protected for up to thirty days.

Credit cards for college students are available online. The downside is that card issuers realize that most students do not have a direction established. This is true, since if you go to college and ask students what are their goals, most will say, I haven’t decided yet, i.e. if they are just starting out in school.

Card issuers are aware of this because at one time they were in college too. Therefore, credit cards for students often have high interest rates, annual fees, as well as other fees attached. If you have good credit, likely you will find a low rate card. If you are searching for credit cards for college students, it is wise to go online, search, and compare and contrast each card. This will give you an idea, of what the cards offer, as well as what the benefits from each card offer you.

The Internet lists several cards that are best suited for college students. The cards available come from leading card issuers. The search will help you save money and time, while guiding you to the best cards.

Card Offers

Several of the top student credit cards will offer 0% APR up to six months on balance transfers, cash advances, and purchases, providing you do not default on your credit card payments. I will quote the “0 liability,” since this is important. Some credit card issuers will charge you for unauthorized charges made on your card. I recommend that you check the liability agreement to weed out clauses or stipulations, making sure the 0% fees are legit. Some cards have no annual fee, and you will have the ability to manage your accounts free online at anytime, and best of all you will not need a cosigner, and only required to have minimum income. The regular APR’s on student credit cards are a bit steep, however if you pay the balance off before the grace period ends, the benefits will make up for the interest rates.

The downside is most students have not established a credit history. You might notice that each of the cards listed on some sites require that you have good or very good credit. This can set you back and force you to look somewhere else for credit cards. What do I do next?

Searching for Credit Cards

Sometimes if you scroll down the pages, you will notice to the left side of the page, or sometimes right side of the pages, additional links are available. Click on the student links and review the credit cards offered. Second, never give up. Simply because this is a good credit offer, if you do not have a good credit history, it is possible you can still get the card. You might have to pay higher interest rates at first, or possibly an annual fee, still you might be eligible for a college student card of your choice.