1. Citi® mtvU™ Platinum Select® Visa® Card for College Students

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Interest Rate*:	As low as 17.24%V
Intro Rate:	0% APR for 6 months if you qualify
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: *The introductory rate will be 0% APR on Purchases and Balance Transfers for 6 months, if you qualify, based on your application and credit history.

Our Opinion: This is a good choice if you pay off your card each month and use the reward program. Earn 1 point per $1 for general purchases and 5 points per $1 spent on purchases made on entertainment such as dining, bookstores, music stores, videos and movies. Receive 2,000 Thank You Points twice a year for maintaining good grades. Receive 25 Thank You Points every month for payments made on time and remaining under the credit limit. Redeem points for tickets to the MTV VMA's, gift certificates, CDs, airline tickets, or a VIP pass for mtvU Spring Break. Earn up to 75,000 points per year. Receive 10% purchase discounts at the online MTV store the MTV store in New York City.

2. Citi PremierPass® Elite Level

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Interest Rate*:	14.24%V
Intro Rate:	No Introductory Rate Available
Grace Period:	20 Days (Min.)
Credit Limit:	See Important Notations
Annual Fee:	$75

Our Opinion: The annual fee is slightly high but it has a decent rewards program. Receive 20,000 bonus points after $600 in purchases made within 3 months of account opening. Earn 2 points per $1 spent on purchases made at gas stations, drugstores and supermarkets. Earn 1 point per $1 spent on general purchases. Earn 1 point per 1 mile you fly with any airline (includes tickets bought with the card for someone else). Redeem points for various items, statement credit, or services. Earn up to 200,000 points per year; points can expire in 3 years. Points earned can be used with most frequent flyer programs. Unlimited companion travel (minimum fare requirements apply). Cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. The $75 annual fee is a bit high but this card will benefit those who pay their card off in full each month and can use the reward program and take advantage of a high annual maximum for points.

3. Citi® Platinum Select® MasterCard®

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Interest Rate*:	As low as 11.99% V
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: The introductory rate is available on purchases and balance transfers for 6 months.

Our Opinion: An attractive card if you have good or excellent credit. Offers 0% interest rate for up to 6 months on purchases and balance transfers. No annual fee. Balance transfer fee is 3% ($5 minimum, no maximum). Platinum cardholder benefits include auto rental insurance, fraud protection services, and retail protection insurance. (Not designed for applicants with average or poor credit)

4. Citi Forward(SM) Card

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Interest Rate*:	14.24%V
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Introductory rate is available on purchases and balance transfers.

Our Opinion: Rewards cardholders for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 5,000 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month.

5. Citi Forward(SM) Card for College Students

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Interest Rate*:	17.24%V
Intro Rate:	0% APR for 6 Months
Grace Period:	20 Days (Min.)
Credit Limit:	n/a
Annual Fee:	None

Special Offers: Introductory rate is available on purchases and balance transfers.

Our Opinion: Rewards students for staying within their credit limit and paying on time. If you stay within your credit limit and pay on time, you will receive 100 bonus points per billing period and a possible reduction in your interest rates. Rate reductions occur at a rate of .25% after three months in a row of staying within the limit and paying on time. You could receive up to 8 reductions, for a 2% total reduction. Get 5,000 bonus points when you sign up for paperless statements within the first three months of opening the account. Receive 6,000 bonus points when they make their first $250 in purchases within the first three months. Receive 5 points per $1 spent at movie theaters, restaurants, book stores, and video rental stores. Receive $1 spent on all other purchases. Points can be redeemed through the Thank You network for cash, gift cards, electronics, music, and more. This card is a good choice if you pay off your balance each month.