Citi Rewards+℠ Student
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How we calculate effective rate →
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.
- Top category
- Grocery
- Effective value
- 1.6%
- Annual fee
- $0
Best for grocery-heavy spend when you want to avoid an annual fee; confirm issuer terms before applying. Best for spenders who put meaningful volume in grocery and can earn 2% back.
What does the Citi Rewards+℠ Student earn in each category?
Grocery is the strongest category at 1.6% effective value (2% back). That grocery rate ranks higher than about 68% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Citi Rewards+℠ Student compares across dining, grocery, gas, travel, and other spend. Catalog spend signals highlight groceries at 2x among the top bonus.
Grocery is the strongest category at 1.6% effective value (2% back). That grocery rate ranks higher than about 68% of the 2,855 cards we track in that category. The five-category effective-rate table on this page shows how Citi Rewards+℠ Student compares across dining, grocery, gas, travel, and other spend.
| Category | Earn rate | Effective value |
|---|---|---|
| Dining Restaurants, cafes, takeout | 1% back | 0.8% |
| Grocery Supermarkets and grocery stores | 2% back | 1.6% Top category |
| Gas Gas stations and fuel | 2% back | 1.6% |
| Travel Flights, hotels, transit | 1% back | 0.8% |
| Other General everyday spend | 1% back | 0.8% |
Madeen values cash back 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.
- 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 2% back. Best for spenders who put meaningful volume in grocery and can earn 2% back.
Citi Rewards+℠ Student fits spenders who put meaningful volume in grocery and can earn 2% back. Madeen ranks its grocery effective rate higher than about 68% 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 2% back.
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.
Pros
- Strongest Madeen category is grocery at about 1.6% effective (2% back).
- No annual fee in our catalog snapshot.
Cons
- Charges $5 foreign transaction fees.
Does the Citi Rewards+℠ Student have an annual fee?
The Citi Rewards+℠ Student has an annual fee of $0 and a foreign transaction fee of $5. Confirm current fees on the issuer page before applying.
- Annual fee
- $0
- Foreign transaction fee
- $5
Related encyclopedia topics
Common questions about the Citi Rewards+℠ Student
Where do cardholders spend most with the Citi Rewards+℠ Student?
Madeen's RewardsCC catalog snapshot shows the strongest bonus categories on groceries (2x), gas (2x) for the Citi Rewards+℠ Student. These are anonymized issuer category signals, not individual cardholder transactions. Route everyday spend through categories that match your habits, then compare effective rates with Madeen at checkout.
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.
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.
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.
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.
How do you redeem rewards on the Citi Rewards+℠ Student?
Rewards on the Citi Rewards+℠ Student post as cash back. Redemption value depends on how you use cash back (statement credit, travel, transfers, or issuer portals). Madeen shows effective cash-equivalent rates using standard valuations.
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 |
Side-by-side comparisons
Store-specific guides
Madeen publishes merchant guides that rank cards for specific stores and services. Browse guides for grocery spend to see which cards win at checkout.
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Madeen compares the cards you already carry for dining, groceries, gas, travel, and everyday purchases — free, no bank login required.
Citi and related product names are trademarks of their respective owners. Madeen is not affiliated with, sponsored by, endorsed by, or acting on behalf of Citi. Madeen is an independent credit-card comparison and education service. Issuer websites control current terms, fees, and eligibility.
Madeen compares cards you add to your wallet using published catalog rules — no bank login required. Issuer pages control current fees, caps, exclusions, and eligibility; Madeen does not issue cards, make approval decisions, or provide financial advice. Apply links are temporarily hidden on madeen.app. Affiliate disclosure