Founded in 1812, Citi is the third largest bank in the United States. The company offers a number of financial services, including credit cards, loans, and investments.

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The Good

  • Rewards Programs
  • APRs
  • No Annual Fee
  • Free Credit Score
  • Fraud Safeguards

Rewards Programs

Citi offers several rewards programs that offer cash back for gas and other consumer items. The more regularly customers use their Citi card, the more points they will earn to qualify for rewards.

APRs

Citi offers some cards with an introductory rate of 0 percent for the first 21 months. After that rates jump to fairly average parameters when compared to APRs offered by other top credit card companies.

No Annual Fee

Citi has a range of products with no annual fee, which is a great benefit because it can save cardholders hundreds of dollars.

Free Credit Score

Citi provides its customers with the ability to view and monitor their FICO score for free, which is helpful for consumers who like to keep track of their credit.

Fraud Safeguards

Citi provides online and mobile security to protect its customers from fraud. Additionally, Citi cardholders have $0 liability for unauthorized charges. Visit Site

The Bad

  • Late Payment Fees
  • Undisclosed Information

Late Payment Fees

Citi charges late payment fees typically in the $30 range.

Undisclosed Information

After looking at Citi's corporate website, it is unclear whether or not the company charges foreign transaction fees.

The Bottom Line

Citi offers rewards programs, competitive APRs, free credit score tracking, fraud safeguards, and no annual fees. However, the company does charge late payment fees.

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User Reviews

Star Rating

4.4
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146 Reviews

Review Breakdown

5 star
60%
4 star
26%
3 star
7%
2 star
4%
1 star
3%

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Verified Customer

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J.Rothstein

June 26th, 2020 Pittsburgh, PA DETAILS arrow_drop_down
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cooperative and use of extra safe measures

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abe fried

May 22nd, 2020 Bensalem, PA DETAILS arrow_drop_down
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Their customer service agents are rude at times, even to long standing customers. they wouldn't let my dad use the restroom in the branch even though we have been customers for tens of years.

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B-dog

May 19th, 2020 San Antonio, TX DETAILS arrow_drop_down
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I have the Citi card tied to Costco account. Not a fan of how they treat their customers. I have asked for a credit limit increase and been denied yet have 800 credit score.

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MattB

April 6th, 2020 American Fork, UT DETAILS arrow_drop_down
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My Citi Card is one of my favorite credit cards in my wallet. Their app lets me keep track of my spending and pay my bill with ease. Plus the rewards I earn are Some of the best.

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Joseph Kimatu

March 16th, 2020 Springfield, MA DETAILS arrow_drop_down

Not so good. I have had the cards for some time now. I took them to use in store but later I was sold to Citi. The rates are very high. Though they advance cash without interest for a year or 18 months, one ends paying up through the nose. But for the moment I have to deal with them. I don't have much choice.

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Susan

March 16th, 2020 Brownsville, TN DETAILS arrow_drop_down

Love the cash back through Costco. But even though I have had them two years and never gone over my limit or been late they don't offer a lower interest rate.

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James Fitzpatrick

March 16th, 2020 The Bronx, NY

software stinks;can never sign in, after I get tech assistance, I can sign in once and then problems persists, my three digit code field is misplaced and there is no way to correct it.

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Marion Freund

March 16th, 2020 Oakley, CA DETAILS arrow_drop_down

I've just received the card. There is no difference in using any other card. Once I've had it for a few months I will be able to evaluate the perks. The reason why I've got the card is that I don't pay any annual fees. Also, the perks of my old Credit Card got so reduced that it's just not with collecting points anymore, let alone pay they ridiculous annual fee.

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Chris

March 16th, 2020 DETAILS arrow_drop_down

Long waits for telephone service. Phone tree is awful to even get to an agent. I complain every month to no effect

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5

March 16th, 2020 Greensboro, AL DETAILS arrow_drop_down

Excellent. Citi rewards me w/ 2% back on purchases that i pay off

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Jing Farber

March 16th, 2020 Indianapolis, IN DETAILS arrow_drop_down

Miss a payment, the jack up the interest. Try to pay down your balance, they cut your credit limit so that your "usage" is too high. They believe in "kick 'em when they're down" - vile bankers

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Gene Pattee

March 16th, 2020 Fresno, CA DETAILS arrow_drop_down

Good I would recommend this to anyone the only drawback is reward is only redeemable once a year

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Juan Diaz-Belliard

March 16th, 2020 DETAILS arrow_drop_down

Excelent card widely acepted in all kind of business wit the great advantage that they reimburse a percent of the total amount you consume

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George Hassemer

March 16th, 2020 Jackson, MO DETAILS arrow_drop_down

Service is great. Never had any problems. Cash back is simple.

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Austin Adair

March 16th, 2020 Jarrell, TX DETAILS arrow_drop_down

Store branded retail cards, and personal loans. Excellent pay history with loans and cards backed by Citi. However, attempting to add other cards, or limit increases with this company has proven unseccessful. Customer loyalty is quite low on their list.

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Dan Mackintosh

March 16th, 2020 Newfoundland, PA DETAILS arrow_drop_down

I have appreciated the benefits and versatility of the COSTCO Citi VISA Card. The benefits and strength of this union are second to none.

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David berk

March 16th, 2020 Phoenix, AZ DETAILS arrow_drop_down

Sent new card i didn't request to an address not my own. Seem to have more trouble with stolen credit card info than the rest of my cards

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Vincent P. Eason

March 16th, 2020 Nampa, ID DETAILS arrow_drop_down

I like the convenience of this credit card until I found out about the $60 a year annual credit card fee now I'm going to cancel them

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ALEXA J HOWALD

March 16th, 2020 DETAILS arrow_drop_down

Generally good. They have been good about contacting me concerning questionable charges. The last time, though, when the card needed to be cancelled and a new one issued, I had to wait 10 days for the replacement card to arrive, which was very inconvenient.

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Jeanne

March 10th, 2020

They have always been great when I have needed to have them help with problem

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c. Hayden

March 10th, 2020 DETAILS arrow_drop_down

they have the best interest on their card and no fuss..

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Dan

March 10th, 2020 DETAILS arrow_drop_down

Double cash gift card is great. 2% cash back for all purchases everytime..

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Adam Wolfe

March 10th, 2020 DETAILS arrow_drop_down

I have never had any problems with this card. Customer service is awesome and has always taken care any questions or issues I have with disputes. I would recommend this card to just about anybody.

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Krystal Shannon

March 10th, 2020 DETAILS arrow_drop_down
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Good card to have but doesn't always update my miles

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Janet Huff

March 10th, 2020 DETAILS arrow_drop_down

Excellent service. Anytime I've called, they have helped solve my problem. Very friendly and caring.

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Kevin

March 10th, 2020 DETAILS arrow_drop_down
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Easy app.too keep up on purchases,transfers,and low interest

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Myken

March 9th, 2020 Salt Lake City, UT DETAILS arrow_drop_down
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My Citi card is one I use regularly. It's accepted everywhere, has great rewards that add up quick and the ease of making payments through the app make it a great card for me and my busy life.

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Jami Lucas

March 6th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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We had a citi card for years and always struggled paying it off. They were never willing to work with us and I felt pike the interest rate kept rising.

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Lori Claassen

March 2nd, 2020 Herriman, UT DETAILS arrow_drop_down
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I opened my CitiBank card once Costco switched to them. Other than the APR going up...it’s a great card! I had a fraudulent charge on my card and I called them, they were great to work with and they took the charge out and sent me a new card immediately!!

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Karina Aguilar

February 25th, 2020 Managua, MN DETAILS arrow_drop_down
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I use them with my costco membership and I love all the money back that they give you!

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Megan Johnston

February 25th, 2020 West Jordan, UT DETAILS arrow_drop_down
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I love using my CitiBank Card for everything. I got mine through Costco so I get a lot of refunds back throughout the year.

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Hallieford

February 19th, 2020 Arlington, TX DETAILS arrow_drop_down
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I love my Costco Citi card. I get rewarded for spending money I was going to spend anyway. No brainer.

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Kilee Wagner

February 18th, 2020 Eagle Mountain, UT DETAILS arrow_drop_down
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We have a cash back rewards Citi card and use it for everything! Love the app as well and how easy it is to pay your bill and view your statement.

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Justin McMurtrey

February 18th, 2020 South Jordan, UT DETAILS arrow_drop_down
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I have the current Costco Citi Card and it works great. They have decent rates for credit cards and have great customer service.

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fernandopessoa

February 18th, 2020 South Jordan, UT DETAILS arrow_drop_down
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We have a Costco Citicard and it’s amazing. We get money back on all that we spend, more than most other credit cards too. If you have to spend money might as well get rewards in each purchase. Very happy with it.

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Qiao

February 13th, 2020 Bethesda, MD DETAILS arrow_drop_down
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Citibank credit card is the most reward card I got so far, It is safe and closely monitored for abnormal activities, I got instant messages when my count was compromised , and bank mailed out my new replaced card right way.

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RodrigoRamirez

February 11th, 2020 Austin, TX DETAILS arrow_drop_down
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Recently opened up a card with Citibank. I really like how they give you a timeline showing with the amount you're paying how long it will take to pay it off. It's almost as if they're invested in helping you pay the card down when need be and managing finances.

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Corbett Douglas

February 7th, 2020 Cedar Fort, UT DETAILS arrow_drop_down
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I use this card for military travel. I over paid a bill once without realizing and the sent my money back to me after I caught the mistake almost a year later.

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Eddie Rios

February 7th, 2020 Ogden, UT DETAILS arrow_drop_down
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My Citi credit card offers a lot of flexibility. And great rewards too! But the best reward is low rates. My Citi card is my most competitive card and helps me best with long term purchases. Thanks again for the saved money Citi!

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PessoaJ

February 4th, 2020 Herriman, UT DETAILS arrow_drop_down
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We currently have a Costco citi card and it’s been great. We get great rewards which is why we got it.

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Danielle Powell

February 3rd, 2020 Long Beach, MS DETAILS arrow_drop_down
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Unforgiving representatives if you forget to update your monthly routing information. huge fee.

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kayshel

January 31st, 2020 Herriman, UT DETAILS arrow_drop_down
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I went with citi bank because of Costco's affiliation with them. The credit card has been exceptional in rewards and also helped quickly when I had a fraud issue .

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JamieD

January 30th, 2020 Saratoga Springs, UT DETAILS arrow_drop_down
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Love our Citibank card! There are great perks and they’ve been a really good company to work with

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Erika Shumway

January 29th, 2020 Managua, MN DETAILS arrow_drop_down
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My Citi card works amazing. There is an app and it is easy to use. It reminds me when a payment is due, which is super helpful. They are also very honest and trustworthy.

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Mikayla Ralston

January 27th, 2020 Navarre, FL DETAILS arrow_drop_down
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I've used CitiBank for credit cards in the past. They also have the contract for the government travel credit card (GTCC). The GTCC isn't the easiest thing to use. In fact, I typically avoid using it. As for their other credit cards, they are fine.

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Jacob

December 31st, 2019 American Fork, UT DETAILS arrow_drop_down
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Citi is one of the best credit cards around! I love having no foreign fees and having no interest! In partnership with Costco, it is the best.

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Michelle W

November 27th, 2019 Coraopolis, PA

My wife and I have a citi cash back card and love their 1 percent on purchases and 1 percent when you pay perks.

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Melanie

November 22nd, 2019 Rio Rancho, NM DETAILS arrow_drop_down
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Love my CITI card and the app that goes with it! Makes setting up payments super convenient and tracking purchases a snap!

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Tom Gourley

November 20th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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I have been very pleased with the services offered by Citi. In my case, when I have anticipated foreign travel they have been helpful in putting into place "safeguards" that protect my account from fraudulent use. I have always found their customer service people readily available and knowledgable which isn't always the case with other companies.

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Martha Gourley

November 20th, 2019 Pleasant Grove, UT DETAILS arrow_drop_down
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We have used Citi as our main card that we use from Costco. We have been very happy with the service. The company is very good to answer questions and help with problems. They also notify us immediately if there are suspicous charges being made to the card.