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Citi

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222 User Reviews

7.0

Overall Score

LAST UPDATED: January 16th, 2022

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.

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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.

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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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Star Rating

4.4

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222 Reviews

Review Breakdown

5 grade

60%

4 grade

27%

3 grade

6%

2 grade

3%

1 grade

4%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Tami Thurgood Ogden, UT

I have had a credit card with Citi for several years and have never had any problems. When I lost my credit card, I got issued a replacement immediately. The replacement came in the mail quickly. The company is easy to work with.

1 week ago

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Cc Chesterfield, VA

I have been a customer with Citi for 15 years. I love getting my miles with them for American. The company has been great for any unknown charges. They called me right away. They saved me from a $8,000 charge! So grateful they called. I can use it almost anywhere! The downside is that I can’t use it at Costco anymore.

1 week ago

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Jlbfla New Braunfels, TX

Love citi. Love the money back rewards. I have the 2 percent where you get 1 percent when you buy and 1 percent when you pay your bill. Who doesn’t like getting money back! Easy to use their site. Can view all charges, can ever click to get notifications on when you buy and when you pay and more. Easy to spot a fraud charge if needed. Customer service has always been great with questions. Easy to manage account online. They even have special protective services for your card for damages etc. I find the card convenient and accepted everywhere.

2 weeks ago

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Michigander101 Macomb, MI

Citi helped me get through college and build my credit score. When I needed to purchases books and essentials, I was covered. Never had had issues with billing or hackers.

1 week ago

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BumbleBee3 Macomb, MI

I opened a Citi account in efforts to build my credit. They have been easy to work with and allow me to access all of my account information online to verify purchases and make payments.

1 week ago

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letsgogreen12 Macomb, MI

I have had a Citi Card for a few years just to boost my credit score. I use it regularly and pay the balance off. I like that the company has incentives like cash back on gas purchases.

1 week ago

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Yu-Jean Chon Chicago, IL

I have been using Citi credit cards for about 20 years. I am satisfied with their customer service and security measures. The only complaint is that on their bill they don't separate the charges made by the secondary card holder. All the charges are mixed and it is hard to tell which one is made by who. I shouldn't be that hard to show separate sections.

2 weeks ago

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Gavin Jones Columbus, OH

Used to have a few cards with them and for the most part was great, but ran into some stage and found the customer service not very helpful. Also found the mobile app to be v. Slow and not user friendly. However, the rewards which were given on the cash back due to purchases and also on paying off the balance was handy and great due to this made the card very worthwhile and counterbalanced the above negative points.

2 weeks ago

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Sarah Biondo Gilbert, AZ

We have a couple of Citi credit cards and have bigger credit limits on them after being customers for awhile. Everything is easy and we also seem to have great 0% balance transfer options that we love and take advantage of. Customer service is always helpful.

2 weeks ago

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Jennifer Dunlap Kingston, WA

I have had a great experience with citicard. They offer great perks for travel and cash back. I have never had any issues.

4 days ago

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Joe Leahy Marshfield, MA

I love the Citi Master Card on line access to my account. Tracking your activity and credit score in one click is very simple..You set payment and purchase alerts also very easy to navigate

2 weeks ago

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Jmarsh Macomb, MI

My Citi Card has always worked and has held up to being washed in a washing machine more than a few times! Once my payment was late in the USPS mail system and I contacted customer service who kindly removed the late fee.

2 weeks ago

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Party0f7 Macomb, MI

I have had an account with Citi for a few years. I’ve never had any problems with my account. They offer cash back deals depending on your purchases which is a nice feature.

2 weeks ago

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MGW San Jose, CA

I have 2 Citi credit cards - one from them directly and one through Costco. They're used for specific things that maximize the cash back rewards. Both are just fine. The rewards are good, though the "double cash" card is kind of annoying in the way it splits the rewards over time.

1 month ago

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Steve Colella Coraopolis, PA

I was a long time credit card customer with city until they abruptly canceled my card with no notice or advising on actions I could take to keep my account active. It was automatically canceled due to inactivity

2 weeks ago

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Paula Pili Provo, UT

This card offers no room for growth Customer service is difficult to work with and no matter how much you try to pay on time Nothing you do helps They offer no increase No growth It’s seriously a waste of card to have I ended up closing mine I had 💯 payment history Never allowed to improve

2 weeks ago

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Samf Tampa, FL

I have been a card customer for 25 years. I love the low rate cash advance promos when I need them. Great customer service as well.

3 weeks ago

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Luke Swierczynski Troy, MI

Have a card with them from costco. The card itself is extremely competitive, but my one complaint is that the cash back is yearly not monthly like competitors.

2 months ago

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sheila white Kalamazoo, MI

All correspondence I receive from them is prompt and accurate. I get invitation for offers frequently and their rates are reasonable. Haven’t had any complaints ever.

1 month ago

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roberto arcia Columbia, MO

I have highly enjoyed having my Citi credit card. They have great rewards when it comes to using your card. Besides having to pay a yearly maintenance fee, they have zero drawbacks to their company. I would recommend Citi card to anyone looking for a credit card with great rewards, as cash back, etc.

2 months ago

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upnorthwi Bellevue, WA

Citi is a credit card company that I hated. Customer service was the worst and dealing with a disputed charge from China was a nightmare. I also found that merchants could add charges without my permission. Will never deal with them again.

2 weeks ago

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tommy melvin Richmond, VA

Great card for balance transfers. Zero % for different periods of time. Good reward programs as well on certain cards.

1 month ago

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Sheen Rudder

Very great customer service experience with Citi

3 days ago

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JE

Citi has always treated me with fairness and honesty. I cannot complain.

1 week ago

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Megan Roper South Jordan, UT

I absolutely love my Citi Credit card. This is the one credit card I use all the time because they have great rewards. I also have been so impressed by their security team and customer service. Any time I have a question or concern I call their company and it is figured out within minutes. I got my credit card number taken once and they took care of the situation so quickly and professionally.

6 months ago

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buggy crazy Clatskanie, OR

Been on them for decades they have really good fraud protection but I am sick to death of the junk mail and spam they keep sending.

3 weeks ago

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Chris Billings, MT

Worst customer service experience in my life absolutely the worst company. Started telling me how and what I can spend my money on very intrusive then took them 3 months to refund my account run far away go to capital one or anyone else citi is a joke

1 month ago

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Dave Spokane, WA

The Costco Citi Visa card has some of the best rewards out there. I use it for all my gas, restaurant, and entertainment purchases. I also like that it has my picture on it so it can serve as photo ID in a pinch. Good app also.

7 months ago

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JOHN M CAMPBELL ,

I recently applied for one of their "Double Cash Mastercards" because they give you 2% back on purchases. Their was no trouble getting back an instant approval online & the card arrived in about 5 days. I've since transferred most of my business to the card because of the rate of return. They've got an easy website to track your business & I've been very pleased with the service.

1 year ago

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Randy Constan Tampa, FL

Citi Double Cash Mastercard - These days for us, card usage is about Rewards. For the many cases where there is no special deal on your card for a specific type of purchase, the "minimum" reward is important. For the longest time, we stuck with the Capitol One card because of its 1.5% reward, for general purcchases. But Citi bank has offered a better deal. 1% when you purchase, another 1% when you pay. So if you regularly pay off your balance, this amounts to 2% on any purchase. And, the first time I had an issue with an unresponsive seller on an online purchase, they quickly refunded my charge, and took it up with the seller on their own. So, with 2% plus security, I'm using this card a lot now.

4 years ago

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Doug Foerch Libertyville, IL

I really liked their introductory offer of no annual fee for the first year and big miles if you spend a certain amount in the first 3 months.

3 months ago

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LeAnn Baytown, TX

Just got my Citi card. I’m excited to rack up some points and put them to use. I’m hoping to use most of the points for Christmas gifts.

4 months ago

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Bill Lee

They provide 2 per cent cash back, 1% upon the charge and another 1% when payment received. Allowed me to set the payment day of the month.

1 year ago

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Leonard Leo Potomac, MD

Citi has been one of my first credit cards. I find their website easy to understand and access. Unfortunately, they have cut back on many privileges like buyer protection. I find they are no longer competitive with other cards.

8 months ago

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Bethany Rockville, MD

We had particularly good experience with the citi’s Costco Anywhere Visa card! It is excellent with good rebate program, not only for Costco shopping, but for travel, gas, and dining.

8 months ago

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Marion Freund Oakley, CA

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.

1 year ago

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Lori Claassen Herriman, UT

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!!

1 year ago

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Eddie Rios Ogden, UT

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!

1 year ago

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Justin Vance Lehi, UT

My Citi Visa through Costco has been awesome. The rewards program is top notch and there is no annual fee. Not worried about late payment fees since I believe they have every right to charge these fees to get back the money they lent out. Customer service has always been professional and accommodating.

3 years ago

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Jonny Hancock Draper, UT

Citi Credit Cards is my primary household credit card. They have amazing benefits and high quality customer service. If you are looking for a credit card with low APR's you should apply for your very own Citi credit card today.

4 years ago

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Wilkshake Lehi, UT

I applied for a Citizen card in connection with my Costco purchases and have been very pleased. It enables me to receive alerts as well as paying rewards for card usage. I receive weekly updates and paying my charges on line has been very helpful.

11 months ago

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Janessa Herriman, UT

We have the Citi double cash card and the Costco Citi card. Love both of them and the perks we receive from each. Double cash back on everything we purchase is better than most other credit cards normal rates or 1 or 1.5% back. We also don't have to worry about the rotating rewards and getting the cards mixed up of what to use and when. The Costco card has great perks with 4% back on gas and 3% on dining and travel. We have had to get new double cash cards a few times because of stolen information, which is probably another company's fault where we have used the card. Citi is always great at overnighting new cards to us and cancelling the transactions that were not made by us.

2 years ago

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Reese Pleasant Grove, UT

I have had a Citi credit card in the past and it was good on fees, average on the interest rate and easy on the functionality. I could use it anywhere and the limit was reasonable. It would have been better if I could have payed it off monthly but I had to carry a balance and this wasn't terrible as they were easy to work with, but it was expensive. They have great options for everyone and a card that will fit everyones situation.

2 years ago

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Brandie Rudy West Jordan, UT

I have been a citi customer for a long time and over the years they have made so many great improvements. I love being their customer as they take suggestions from consumers serious and make changes that are appropriate. They have so many card options to fit anyones needs. They have low interest rates, no annual fee and offer low interest payoff options for high interest rate debt. They have an extremely intuitive website that provides options to make payments and ask questions.

2 years ago

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Helen Thompson Bountiful, UT

WE DO SO MUCH OF OUR FOOD SHOPPING AT COSTCO THAT WE DECIDED TO SAVE AND TRY USING THE CITI BANK CARD. WE HAVE REALLY ENJOYED THE SAVINGS AT THE END OF THE YEAR WE GET WITH THIS CARD. THEY HAVE BEEN VERY EASY TO GET AHOLD OF WITH OUR QUESTIONS THEIR MONTHLY STATEMENTS ARE EASY TO USE AND KEEP TRACK OF YOUR SPENDING. WE ARE HAPPY WE CHANGED OVER TWO YEARS AGO.

2 years ago

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Shauna Craig Pleasant Grove, UT

We have the business Costco Citi card and absolutely love it. We use it for everything and end up getting a nice check at the end of the year. We have had to contact customer service to reverse charges and they were professional and efficient. They alert us if charges are made that may not be ours. When I lost my card, they were extremely helpful and quick to replace it.

3 years ago

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Rocio Diaz Tallahassee, FL

High credit card fees. Great perks, rewards and benefits are available though. Customer service is impeccable.

2 months ago

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Barbara Porter CA

Citibank was fast to notice fraud on our account and notify us. They quickly removed the fraudulent charges and replaced our credit cards. I would recommend them to anyone.

6 months ago

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Joseph Kimatu Springfield, MA

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.

1 year ago

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ALEXA J HOWALD

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.

1 year ago