CivicDriver, I'm in college as well and finished the minimum spend on those two Citi cards and the Chase Sapphire Preferred card recently. Do you have any insurance (car) that you have to pay soon? How about textbooks? How about rent at your apartment? Do you pay your tuition by loan or cash? If cash, then see if the school accepts credit cards without a service fee unless it's reasonable. You should look at the thread that shows ways of reaching minimum spend without the Mint's Direct Program. Ask your parents if you could pay their bills (mortgage, insurance, etc.) while giving you the cash or check of the same amount.