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A student credit card is an excellent way for young people to build up their own credit history. Whether you are buying textbooks or eating out at fast-food restaurants, a student credit card can offer you rewards in return. As long as you pay your bills on time, you would build a good credit score over time, which is essential when you want to apply for loans or get a job in the future.

The Citi mtvU Platinum Select Visa Card for College Students is a Platinum Visa card issued by Citibank for those who are still in college. It has a nice rewards system, and also rewards you for getting good grades in college!

Here I'll do a detailed review of the Citi mtvU Platinum Select Visa Card for College Students, which is among the best rated credit cards for students in the US.

Things We Like About This Card

No annual fee. You can enjoy Platinum cardholder benefits and the card's rewards system at no charge at all.

No cosigner or minimum income required. As long as you have fair or good credit, with a credit score of at least 660, it's likely for your application to be approved without a cosigner.

0% introductory APR on purchases for the first 7 months. After that introductory period, the APR for purchases will be variable, between 13.99% and 21.99% depending on your creditworthiness. If you pay your bills in full by the due date, you won't have to pay any interest.

5 Thank You Points for every $1 you spend at movie theaters, restaurants (including fast food), bookstores, video rental stores and record stores. This lets you earn extra points when you purchase stuff from these categories.

1 Thank You Point for every $1 you spend on all other purchases. So even if you buy something like toothpaste, you can earn points for it!

Earn 25 points every month if you pay your bills on time and don't go over your credit limit. If you are financially responsible, you will be rewarded just for being careful with your credit card!

Earn from 250 to 2,000 points every 6 months if you get good grades and you have a good grade point average (GPA), as long as you send your transcript information to Citi. Now that's extra incentive for being a good student too! We like that. Take note! You must have made at least one purchase with your credit card in the three months preceding your request. ThankYou Points are awarded as follows:

GPAThankYou Points
•  2.50 - 2.99•  250
•  3.00 - 3.49•  500
•  3.50 - 3.99•  750
•  4.0•  2,000

Redeem your points for a wide selection of rewards such as gift cards, CDs, a VIP mtvU Spring Break Pass, tickets to the MTV Video Music Awards, and airline tickets.

10% discount when purchasing at the online MTV store and at the New York City MTV store.

$0 liability on unauthorized charges. You won't have to pay for any unauthorized charges made with your Citi card.

Travel accident insurance when you charge your plane/bus/train ticket to your Citi credit card. With this, you can travel with a peace of mind.

Virtual account numbers can be generated with a click when you want to shop online and not give out your real credit card number. This innovative feature minimizes the chance of someone stealing your account number!

Auto rental insurance when you charge your car rental to your Citi card. Remember to decline the car rental company's collision loss/damage waiver insurance.

Our Least Favorite Things About This Card

Yearly reward limit of a maximum of 75,000 points. I don't think this is a problem since college students don't usually spend much on their credit cards in a year, so the reward limit might not even pose a problem to you.

Points expire 5 years after they have been earned. As long as you remember to redeem your points, this expiration shouldn't affect you much. Just remember to keep track of what you earn and when you earn your points so that you can redeem them in a timely manner.

The Citi mtvU Platinum Select Visa Card for College Students, in addition to its generous rewards system, offers Platinum cardholder benefits such as travel accident insurance, auto rental insurance and many other valued services. You also get a 10% discount on purchases made at the MTV online store and at the MTV New York City Store.

If you are a student who is financially responsible, capable of making payments on time in order to avoid paying interest, would like to be rewarded for good grades and for making purchases, and are an MTV fan, then you would benefit the most from the Citi mtvU Platinum Select Visa Card for College Students.

Click here to go to Citi's official application to apply online for the Citi mtvU Platinum Select Visa Card for College Students now.

This card offer has already expired!