Citi Rewards+® Student

This card is worth a look for students who want an easy first rewards card and spend regularly at grocery stores. The no annual fee keeps the commitment low, and earning 2x ThankYou points on up to $6,000 in grocery purchases each year gives it a clear everyday use case for food shopping and basic household spending.

The tradeoffs are straightforward. Outside of groceries, the rewards rate is only 1x, the welcome offer is modest, and there are no meaningful benefits to help it stand out. The 5% foreign transaction fee also makes it a poor fit for studying abroad or any regular international use. For a student who mostly wants a simple card for domestic spending and credit building, it does the job well enough. For anyone looking for stronger rewards or travel flexibility, it will feel limited fairly quickly.