Your Credit Network is proud to announce the addition of the Citibank Bronze AAdvantage Credit Card for College Students to our ever-growing portfolio of student credit cards. This blog entry will explore the various components of this credit card as well as compare/contrast this card’s features to those of the other student cards.
Bronze AA Advantage Student Credit Card – The Basics
This credit card is intended for students with an average credit score, which explains the 18.24% APR that is standard on all purchases. While this may seem a little high, it is actually comparable to other student credit cards offered in our network; other credit cards require a co-signer (usually a parent) or a few years of excellent credit history to qualify for a reduced APR. Students who are applying for a credit card should expect to pay as much of their balance at the end of the month as is possible, which makes the annual percentage rate a moot point if the balance is paid in full every month. Students who are expecting to carry large balances at the end of their billing cycle would be well-advised to apply for a different student credit card.
This card does not have an annual fee, so if you can pay all of or most of your balance monthly then this is the perfect credit card for you.
Frequent Flyer Miles for Students
The Citi Bronze/AAdvantage Card for College Students is the only credit card to offer a comprehensive airline reward program that caters to the student lifestyle. While the miles earned are best suited for the American Airlines frequent flyer program, they can be exchanged and redeemed for other airline tickets for a marginal fee. You can earn up to 25,000 miles in a one year period, but the miles you earn will never expire provided that you use your student credit card at least once every three years. You will earn one mile for every two dollars spent, no matter where you make the charge (other credit cards require that you make the purchase with preferred vendors in order to earn points.)
Student Balance Transfer Program
One of the more unique points of this program is the 0% balance transfer option for six months. This is ideal for students who are currently carrying balances on higher APR cards and would like to consolidate these balances onto one credit card. The Citi Broze AA Advantage Student Credit Card is one of the only credit cards to offer this to college students!
Additional Resources:
Kimberly Carte
Team Your Credit Network