Claim this Profile

BestCompany.com is trying to work directly with this company to verify the accuracy of the information on this page. Thank you for your patience as we make sure we’re getting it right.

Are you a representative

of this company?

Claim this Profile

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.

Top Ranked Companies

company logo
#1 Capital One chevron_right
9.4 Overall Score
4.3
starstarstarstarstar_half
(305)
company logo
#2 American Express (Amex) chevron_right
9.1 Overall Score
4.1
starstarstarstarstar_half
(268)
company logo
#3 Discover chevron_right
8.7 Overall Score
4.4
starstarstarstarstar_half
(230)

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 13.24 to 23.24-24.24 percent* depending on the card, which is fairly average when compared to APRs offered by other top credit card companies.

No Annual Fee

Citi does not charge any annual fees, 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 of up to $35.

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.

Disclaimer

As part of our service, we attempt to partner with all the companies that we review, and may get compensated when you click or call them from our site; however, regardless of any current, past, or future financial arrangements, companies listed on Best Company cannot buy their position, nor do we manipulate or inflate a company's ranking for financial gain. A company’s ranking is based on and calculated by an objective set of ranking criteria, as well as user reviews. See our How We Rank page for more information regarding our ranking algorithm.

All user reviews posted on Best Company are subject to screening and approval. We reserve the right to approve or deny any review posted to this site in accordance with our Review Guidelines. Best Company never suppresses user reviews—unless they are being investigated for authenticity, or if they violate our review guidelines. We encourage anyone who suspects a user review to be fraudulent or intentionally inaccurate to please notify our review moderation team.


User Reviews

Star Rating

4.5
starstarstarstarstar_half

81 Reviews

Review Breakdown

5 star
63%
4 star
27%
3 star
5%
2 star
4%
1 star
1%

Sentiment Criteria

Value for your money
starstarstarstarstar_half
Quality of product or service
starstarstarstarstar_half
Customer service
starstarstarstarstar_half
Company trustworthiness
starstarstarstarstar_half
search cancel
starstarstarstarstar_border
Janessa
June 7th, 2019 Herriman, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Grant Lofgreen
June 5th, 2019 Provo, UT

Billing is easy to manage. Good card. AA perks are great. Feels well backed and is widely accepted.

starstar_borderstar_borderstar_borderstar_border
E
May 29th, 2019 North Port, FL DETAILS
Value for your money
starstar_borderstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstar_borderstar_borderstar_borderstar_border
Company trustworthiness
starstar_borderstar_borderstar_borderstar_border

This is a huge mistake to get this credit card!!! They charge you more money on your minimum payment the more you use it. The customer service assistance is awful, they literally give you answers that are all hypothetical. Everything is a variable …. The interest on this card is not worth having it, and I honestly do not even want/cant make purchases on it because it is not worth it. I do not recommend this card, and definitely look into other cards. Complete disappointment !!!

starstarstarstarstar
Reese
May 20th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

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.

starstarstarstarstar
Ashley
May 14th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Citi credit card was my first credit card. They had an unbelievable beginning APR rate. It was a great way to establish my credit history and put me on my way from college. The student card even gives great rewards! It is a very reliable and trusted company which was important to me.

history
starstarstar_borderstar_borderstar_border
Tim Berrett
February 13th, 2019 American Fork, UT DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstar_borderstar_borderstar_border

Every CC company raises rates and tries to get the maximum amount of interest out of you, including citi. I avoid credit cards as much as possible, but I do have one Citi Costco card. It has been fine, but I am ready to cancel it even though it is paid off every month.

starstarstarstarstar_border
Ponch Thompson
February 13th, 2019 South Jordan, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

We have a Costco Citi card - Voucher for Costco each year. Great rebate on Gas 4% and Restaurants 3%. We like it. It has allowed us to earn a cashback bonus by simply using it for things we already would.

starstarstarstarstar
Brandie Rudy
February 13th, 2019 West Jordan, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Nicole Garrett
February 12th, 2019 Lehi, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

This company has been easy to work with. The mobile app is a little buggy. I like the automatic payment option to avoid late payments.

starstarstarstarstar_border
Nathan Hill
February 12th, 2019 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

I have always liked my citi cards. I currently have a costco card and an advantage card. They are easy to work with and I don't have any complaints. I like the reward program with Costco. They also give good balance transfer options which is nice.

starstarstarstarstar_border
Keri Christensen
February 12th, 2019 Lehi, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a citi card with my Costco membership and I have been very impressed! I always get my Costco cash checks in the mail and when I misplaced it one time they sent a replacement very quickly.

starstarstarstarstar
Helen Thompson
February 12th, 2019 Bountiful, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar
Hung
February 6th, 2019 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

The customer service is very helpful, I had a few disputes with charges from some company and the Citi bank personnel had straightened it out quickly, I would recommend others to have business with them

starstarstarstarstar
August Moulton
February 6th, 2019 Lehi, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

We used a City credit card to consolidate debt about 10 years ago. The rate was amazing and that alone saved us as we were paying off the balance. Citi is a great company and we never had any issues.

starstarstarstar_borderstar_border
Joyce
January 30th, 2019 DETAILS
Value for your money
starstarstar_borderstar_borderstar_border
Quality of product or service
starstar_borderstar_borderstar_borderstar_border
Customer service
starstarstar_borderstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

They have nice 0% APR offers. Their dispute service has been unsatisfactory.

starstarstarstarstar_border
Brinley Knowles
January 2nd, 2019 Smithfield, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

Citi is great to communicate with if I am ever needing questions answers or have a problem with something. They have such a great rewards program and they don't charge you to pay an annual which is so great.

starstarstarstarstar
Fernando Delgado
December 11th, 2018 Tempe, AZ DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have had my Citi Credit card for many years now and always carry with me in case i forget my debit card or need it for any emergency. Also great interest rate and promotions.

starstarstarstarstar
Shauna Craig
December 10th, 2018 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar
Cori Jacobsen Ollerton
December 10th, 2018 Alpine, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Citi is easy to communicate with as well as helpful in times of need. I have had cc theft and they took good care of my issue.

starstarstarstarstar_border
Katie Howard
December 6th, 2018 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

We use our Citi card for Costco shopping, since it's the only one they accept. It gives us rewards, which we love, and I like having it as a backup card for other shopping as well. The interest rate isn't great, like most credit cards, but we pay off the balance each month so it's not a problem.

starstarstarstarstar
edward reese
December 6th, 2018 Hyattsville, MD DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

just recently got a card from them and i enjoy not having penalty, no annual fee, and i can set my own pay date. another great benefit is the access to ticketmaster presales!

starstarstarstarstar
Jaime
December 5th, 2018 American Fork, UT

We currently have a Citi card through Costco. We use it often and love the benefit of earning cash back by using our card places! It's also convenient to be able to look up our statements and past purchases online.

starstarstarstar_borderstar_border
HLG
December 5th, 2018 American Fork, UT DETAILS
Value for your money
starstarstarstar_borderstar_border
Quality of product or service
starstarstarstar_borderstar_border
Customer service
starstarstarstar_borderstar_border
Company trustworthiness
starstarstarstar_borderstar_border

Probably would not use this card if not for Costco. They seem pretty average. Haven't done anything to earn my use other than partner with Costco.

starstarstarstarstar
Melissa Carreno
December 5th, 2018 Mesa, AZ DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I have a credit card through Citi, have never had any problems, they're a deliute to do business with. I can call or go online, or use my application on my phone with no problem. will recommend.

starstarstarstarstar
Rischelle Mikkelson
November 15th, 2018 American Fork, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I really like Our Costco Citi card. It makes it easy to shop. I like that it tracks expense categories for me to help me know where my dollars are going. The mobile app is very user friendly and I am able to do anything I want from it.

starstarstarstarstar_border
Michael
November 5th, 2018 Calabasas, CA DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Have been very happy with our airline mileage card from Citibank. It has provided a good return on investment with miles that have been useable whenever we have wanted to use them on a wide selection of both domestic and international flights. Our mileage is through American Aiines and it’s affiliates. Would recommend the card for others

starstarstarstarstar_border
Adam B
November 5th, 2018 Eagle Mountain, UT

Provided a quick and easy process to apply and approved me for a decent line of credit amount. I use this card for most all my purchases.

starstarstarstarstar_border
Mitch Krull
November 5th, 2018 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Good service, decently quick response times. Do as advertised. Not much else to say.

starstarstarstarstar_border
Angela Nelson
October 31st, 2018 Pleasant Grove, UT DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

We have the Citibank Costco visa and we love it! We get great cash back and customer service has been great, and of course it makes shopping at Costco much easier. No complaints so far.

starstarstarstarstar
Tania Saunders
October 31st, 2018 Saratoga Springs, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar_border

Love my Costco Citi card. I haven't really had any other rewards card, but I have really enjoyed this one. Already racked up $360 this year.

starstarstarstarstar
Shari Evers
September 18th, 2018 Lehi, UT

We live off of our Citi card. All of our day to day expenses go on it. The cash back makes it a no brainer!

starstarstar_borderstar_borderstar_border
POLYANA LAVAKI
September 17th, 2018 Salt Lake City, UT

My one and only credit card is through Citi. I am still trying to pay off my credit card debt. I signed up with them without reading all the details. The interest is too much, as soon as I pay this off. I would never use credit card.

starstarstarstarstar
Celia
September 13th, 2018 Waipahu, HI

My husband has a CITI card and we love it. He uses that more than any card, we earn points and it gives us alerts on what we are spending. We pay it off all the time.

starstarstarstarstar
Dave Brinton
August 27th, 2018 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

I use a Citi card for all of my major grocery shopping. I love the cash back options. When I lost my card they sent a replacement the next day. Great customer service.

starstarstarstarstar
Kris
August 27th, 2018 Pleasant Grove, UT

I love my Citi credit Card. When I first got it I received 0% interest for the first 6 months. Great customer service too.

history
starstarstarstarstar
Kym Gangl
August 22nd, 2018 Spokane, WA DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Love citibank..always courteous. Helpful and CSU seems to KNOW their stuff. I will stay with this co.

starstarstarstarstar
Nathan Johnson
August 6th, 2018 Palmyra, PA

Excellent customer service and cash back rewards

starstarstarstarstar
Derrick
August 6th, 2018 Lubbock, TX

I have multiple accounts that are accessible together on a single app. Excellent interface, excellent service, and excellent savings. Highly recommend.

starstarstarstarstar
Eric
August 2nd, 2018 Annandale, NJ

Love the Costco visa! Nice rewards categories that apply at all times.

starstarstarstarstar
Taylor Vance
July 26th, 2018 Salt Lake City, UT

I love the double dash card. It is just so simple to earn cash back. I use as my go-to card if I am not trying to meet the spending requirements for another rewards credit card.

starstarstarstarstar
Justin Vance
July 19th, 2018 Lehi, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

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.

starstarstarstarstar_border
Troy Siren
June 28th, 2018 Gilbert, AZ

Great card with awesome rates. Customer service is top notch.

starstarstarstarstar
Roger Leach
June 18th, 2018 Rosharon, TX DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Outstanding customer service, great service with fraud warning, no problems with 30 years of use.

starstarstarstarstar
David Campbell
June 18th, 2018 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Great credit rate,service, and incentives.

starstarstarstarstar
Julie Wandell
June 18th, 2018 Beaverton, OR DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar

Outstanding rewards and never a glitch in billing, timing, accuracy

starstarstarstarstar
Rick Kober
June 18th, 2018 Salt Lake City, UT DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

easy to use accepted everywhere, customer service is the best ever

starstarstarstarstar
MILOS CHORVAT
June 18th, 2018 Bentonville, AR DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Never had an issue. They always notified me if suspiccious activity.

starstarstarstarstar
Leonard Matlaw NA
June 18th, 2018 Littleton, CO DETAILS
Value for your money
starstarstarstarstar_border
Quality of product or service
starstarstarstarstar_border
Customer service
starstarstarstarstar_border
Company trustworthiness
starstarstarstarstar_border

Great rewards, web site and customer service

history
starstarstarstarstar_border
Madge Easton
June 8th, 2018 Orem, UT

Have used this card for a few years now. I had to change my card number. They were great and quick to do this The returns on our spending is great. We enjoy the extra money when the check comes is the mail.

starstarstarstarstar
Satisfied from Temple
June 5th, 2018 DETAILS
Value for your money
starstarstarstarstar
Quality of product or service
starstarstarstarstar
Customer service
starstarstarstarstar
Company trustworthiness
starstarstarstarstar

Pleasant and their website was very easy to use