Citi mtvU Platinum Select Visa Card for College Students Credit Card

Citi mtvU Platinum Select Visa Card for College Students

0% APR* on purchases for 7 months, if you qualify, based on your application and credit history
Earn 5 ThankYou Points for every dollar you spend at restaurants, bookstores, record stores, movie theaters and video rental stores
Earn 1 ThankYou Point for every dollar you spend on all other purchases
Redeem points for gift cards, travel, electronics, music and more
No Annual Fee

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Overview
Rates & Fees
Rewards
Features & Benefits
Bill of Rights
Reviews

Card at-a-glance

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Rates & Fees Summary:

Intro purchase rate: 0% (up to 7 months)
Purchase rate: 18.24% (variable)
Intro balance transfer rate: N/A
Balance transfer rate: N/A
Annual Fee*: N/A
Balance transfer fee*: 3% (minimum of $5.00)

Rewards Summary:

Sign-up Bonus: N/A
Base earning rate: 1 point / $1
Max earning rate: 5 points / $1
Bonus Categories: Entertainment, Restaurants, Shopping
Total Earning Limit: 75,000 points (per year)

*See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information, however all credit card information is presented without warranty. You should review all credit card terms and conditions on the card issuer's website after clicking "Apply Now". Best efforts are made to match you with cards you will qualify for based on your indicated credit level/FICO score, however issuers evaluate several factors with your application and BillShrink is unable to guarantee approval.

Card rates and fees

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Estimated Rates	Introductory APR	Regular APR
Purchase rate*	N/A	21.24% (variable)
Cash advance rate*	N/A	21.99% (variable)
Default rate*	N/A	29.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	N/A	21.24% (variable)
Cash advance rate*	N/A	21.99% (variable)
Default rate*	N/A	29.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0% (up to 7 months)	21.24% (variable)
Cash advance rate*	N/A	21.99% (variable)
Default rate*	N/A	29.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0% (up to 7 months)	18.24% (variable)
Cash advance rate*	N/A	21.99% (variable)
Default rate*	N/A	29.99% (variable)
Estimated Rates	Introductory APR	Regular APR
Purchase rate*	0% (up to 7 months)	17.24% (variable)
Cash advance rate*	N/A	21.99% (variable)
Default rate*	N/A	29.99% (variable)
Fees
Annual Fee*	$0.00
Balance transfer fee*	3% (minimum of $5.00)
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$15.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00
Over credit limit fee*	$39.00
Foreign currency fee*	3%
Min finance charge*	$0.50
Fees
Balance transfer fee*	3% (minimum of $5.00)
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$15.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00
Over credit limit fee*	$39.00
Foreign currency fee*	3%
Min finance charge*	$0.50
Fees
Balance transfer fee*	3% (minimum of $5.00)
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$15.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00
Over credit limit fee*	$39.00
Foreign currency fee*	3%
Min finance charge*	$0.50
Fees
Balance transfer fee*	3% (minimum of $5.00)
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$15.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00
Over credit limit fee*	$39.00
Foreign currency fee*	3%
Min finance charge*	$0.50
Fees
Balance transfer fee*	3% (minimum of $5.00)
Cash advance fee*	3% (minimum of $5.00)
Late payment fee*	$15.00 for account balance between $0.00-$99.99 $29.00 for account balance between $100.00-$249.99 $39.00 for account balance greater than $250.00
Over credit limit fee*	$39.00
Foreign currency fee*	3%
Min finance charge*	$0.50

Rewards
Rewards Program Features
Rewards Program	Thank You Points
Reward Units	Points
Rewards Expiration	60 months
Total Earning Limit	75,000 points (per year)
Additional Earning Opportunity	you will earn 25 bonus thankyou® points at the end of every billing cycle during which you make your minimum payment or more on time, and at the end of which you are not over your credit limit. your account must be open and not in default under any card agreement in order to be eligible for this award. accounts with a zero minimum payment due at the end of a billing cycle will not be eligible for an award for that cycle. these bonus points are not included in the annual calendar year cap. you can earn bonus thankyou points for achieving good grades at college. thankyou points can be earned by submitting proof of grades up to two times per calendar year. thankyou points will be awarded as follows: • gpa • thankyou points • 2.50 - 2.99 • 250 • 3.00 - 3.49 • 500 • 3.50 - 3.99 • 750 • 4.0 • 2,000
Reward Earnings By Spend Category
Entertainment	5 points per each $1 spent
Restaurants	5 points per each $1 spent
Shopping	5 points per each $1 spent
All Other Purchases	1 point per each $1 spent

Features and Benefits
Card Features
Category	Student
Network	Visa
Min Credit Level	Good (700 - 749)
Instant Approval	No
No Annual Fee	Yes
Rewards Program	Yes
Credit Limit	At least 500
Grace Period	20 days
Method For Computing Balance	Average Daily Balance
Universal Default	No
Revolving Credit	Yes
Secured Card	No
Card Benefits
Retail Purchase Protection (Most items purchased with your card are eligible for protection against accidental damage or theft for up to 90 days from the date of purchase.)
Virtual Account Numbers
Citi Credit Card Benefits & Services
Credit Education Tips and Tools
Auto Rental Insurance
$0 Liability on Unauthorized Charges (You're protected when you're traveling in the U.S. and abroad. Travel & Emergency Assistance services include medical and legal referrals, lost luggage assistance, emergency transportation, translation services and more. Included in this service are MasterTrip Travel Assistance, Travel Services Medical Assistance and MasterLegal Referral Service.)
Travel & Emergency Assistance (Charge plane, train or bus tickets to your AT&T Universal credit card and you, your spouse and eligible dependent children are automatically covered for up to $1 million of Common Carrier Travel Accident Insurance at no additional cost)
Extended Warranty (The terms of the original manufacturers' U.S. warranties (of one year or less) may be extended up to one additional year on most items purchased on your card.)
Get Exclusive MTV Discounts and Awards (With your Citi mtvU credit card, you'll also get an exclusive 10% MTV discount when shopping at the MTV store in New York City or online at shop.mtv.com.)

Credit Cardholders' Bill of Rights compliance
Congress has expanded your rights as a credit card holder!
Click here to read about these rights or browse this card's compliance below.
How does this card comply?
	Protection from arbitrary rate increases
	The right to have rates reviewed and reduced
	Fair allocation of payments
	No universal default
	No double-cycle billing
	No fees for paying your bill
	Protection from due date gimmicks
	Enough time to pay your bill
	Education on dangers of minimum payments
	Protection of young cardholders