Citi - mtvU Visa for students Review

I've had this card (Citi mtvU) for over 3 years and it is awesome for this student.  You get 5 points per dollar at restaurants (including fast food), music stores, and bookstores (amazon.com is included, even if you don't buy books!!).  The points can be redeemed through Citi bank's Thank You network and there are a lot of options:  Gift cards, cash, statement credits, mortgage, student loan credits, travel, merchandises/gifts.  Not everything can be redeemed at a 1 point per 0.01 ration, but I still think this is one of the top reward programs.  With the mtvU card, you can earn points quicker, especially if you shop regularly at bookstores or if you eat out a lot (like me!).  Since it is a student card, you do have to be in an accredited college to get the card.  Also, since it IS a student card, your APR is going to be through the roof.  Thus, make sure you pay your balance in full each month, otherwise having the rewards would be meaningless if you're racking up finance charges.