Category Archives: Citi Forward Students

“I’ve Taken Trips That a College Student Wouldn’t Be Able to Afford Otherwise”

Welcome to the next installment of our interview series where folks share their thoughts about Big Travel with Small Money!

Miles & Points Interview:  Millennial Side Hustle

Adrian writes Millennial Side Hustle to share to readers his experience in traveling and making money.  You can also follow him on Instagram.

Millennial Side Hustle

As a College Student, I Did Not Think It Was Possible to Stay at One of New York City’s Most Expensive Hotels at Over $900 a Night for Free!

How and when did you start collecting miles and points?

Continue reading

Fly to India With Citi ThankYou’s Newest Airline Transfer Partner

Via Doctor of Credit, there’s a new Citi ThankYou airline partnerYou can now transfer Citi ThankYou points to Jet Airways, India’s second largest airline.

New Citi ThankYou Transfer Partner

Emily Enjoyed a Jet Airways First Class Suite on Her Way Home From India

I’ll help you decide whether it’s worth transferring your Citi ThankYou points to Jet Airways.

Continue reading

Limited Time: 50% Bonus on Citi ThankYou Point Transfers to JetBlue

Starting tomorrow, through April 30, 2017, you’ll earn a 50% bonus when you transfer Citi ThankYou points to JetBlue.

Normally, Citi ThankYou points transfer to JetBlue at a 5:4 or 2:1 ratio, depending on which type of Citi card you have.  But this deal could be worth it to lots of folks, especially if you like flying JetBlue.

Citi JetBlue Transfer Bonus

Lots of Folks Prefer JetBlue Because of the Extra Legroom, Free In-Flight Entertainment, and Unlimited Snacks!

I’ll explain why!  And help you decide whether this deal makes sense for you.

Continue reading

New Partner: Is It Worth Transferring Citi ThankYou Points to JetBlue?

There’s a new Citi ThankYou airline transfer partner!  Effective immediately, you can transfer Citi ThankYou points to JetBlue.

The transfer ratio you’ll get depends on which Citi cards you have.  You’ll get a better deal if you have the Citi Prestige Card , Citi ThankYou Premier Card, or Citi Chairman (no longer offered) card.

This is also the first time Citi’s allowed folks who only hold no-annual-fee Citi ThankYou cards, like the Citi ThankYou Preferred Card and Citi Forward, to transfer their points to a travel partner.  But the transfer ratio is less favorable.

Thanks to Twitter user IAD Gr8 for tweeting us about the news!

New Partner Is It Worth Transferring Citi ThankYou Points To JetBlue

Starting Now, You Can Transfer Citi ThankYou Points to JetBlue

I’ll explain the changes and help you decide if it’s worth transferring Citi ThankYou points to JetBlue (hint:  it’s usually NOT).

Continue reading

Guide to Credit Cards & Big Travel for College Students

Are you a college student who wants to travel as much as possible?  There are lots of ways to get Big Travel for nearly free!  And it’s not hard to get started.

Guide To Credit Cards Big Travel For College Students

Take a Break From the Books to Travel the World! I’ll Give You Ideas About How to Get Started

I’ll show you how to build your credit and start earning miles and points, so you can see more of the world.  And visit family and friends back home!

Continue reading

Get A $10 Gift Card When You Spend $100+ at

Update:   One or more card offers in this post are no longer available.  Check our Hot Deals for the latest offers. 

Via Credit Card Watcher, you can get a $10 Walmart eGift card when you use your Citi credit card to shop online at

This isn’t as exciting as the $25 off on a purchase of $75+ at with your American Express card, but it could be of use to some.

Continue reading

Why Everyone Should Have a No-Annual Fee Credit Card

Don’t forget to follow me on  Facebook or Twitter!

Update:   The Citi Forward for Students is no longer available.

Additional Reading:

Having a personal credit card with no-annual fee which you will keep for a long time is very important for two reasons:

1.   Helps Increase Your Credit Score

According to the FICO website, 15% of your credit score is determined by the Length of Credit History.

Best No Annual Fee Credit Card

Fico Score Calculation (Image from

So it helps to have a credit card with no-annual fee which you keep for a very long time because it helps increase the average age of your credit accounts.  This is especially important if you apply for & cancel cards frequently.

2.   Builds a Relationship With the Bank

Having a credit card with a bank for a long time also helps establish you as a long term customer with the bank.  I regularly let the folks on the reconsideration line know for how long I’ve had a credit card or checking account with their bank. Continue reading

Reader Request: Which Credit Cards for College Students With No Credit History?

Update:   The Citi Forward for College Students is no longer available.

Million Mile Secrets reader Jacob writes in:

I’m sure you get this a lot.  I’m a student with no credit history looking to start off.  I’m wondering which card is best.  The most important things to me are no annual fee, and no foreign transaction fee as I will be doing study abroad for the next 2 semesters.  I also want a card that earns rewards, whether cash back or points.

I want your advice on which card to start with.  I’m turning 20 next summer by which I hope to be getting big time travel rewards 🙂  The Chase Sapphire (not preferred) seems to fit those qualifications but I don’t know if chase will approve me seeing as I have no credit history.

If you don’t have a credit history in the US, you’re almost certainly NOT going to get approved for many of the great miles and points credit cards such as the Citi American Airlines cards with a 50,000 mile sign-up bonus or the Chase Sapphire Preferred with a 40,000 point sign-up bonus. Continue reading