Citi

Citi

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.

Rank Chart Our Score User Score
#1 8.8 8.0 Read Review
#2 8.0 7.3 Read Review
#3 7.9 8.6 Read Review
#6 6.4 9.0 Current

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.

12 Citi Reviews

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  • User Score

    10

    October 16th, 2017

    Costco Citi Bank Visa - outstanding customer service. professional, knowledgeable agents. problems always solved in s timely manner

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  • User Score

    10

    October 2nd, 2017 Sacramento, CA

    Reliable,trustworthy, and will give you good revards

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  • User Score

    10

    September 25th, 2017 Rogers, MN

    Always available 24/7 and responsive and knowledgeable

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  • User Score

    8

    September 14th, 2017 Portsmouth, VA

    Great Customer Service!! Website that is very easy to use.

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  • User Score

    9

    September 12th, 2017 Littleton, CO

    They have an excellent rewards and rebate program.

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  • User Score

    9

    September 12th, 2017 Littleton, CO

    They have an excellent rewards and rebate program.

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  • User Score

    10

    September 12th, 2017 Sacramento, CA

    Secure and good rewards. Good customer service.

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  • User Score

    7

    August 14th, 2017 Salem, MA

    I like the 2% cash back feature. You need to pay your complete balance each month to really take advantage of this.

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  • User Score

    8

    June 12th, 2017

    We have only used Citi since Costco's switch from American Express to Citi, but have been pleased with the card's usability. Citi was spot on for quickly discovering the fraudulent use of our account last year.

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  • User Score

    9

    June 6th, 2017 San Francisco, CA

    I have been using my Costco Visa from Citi and I really enjoy it. The web-site is easy to use and the rewards make sense to me.

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  • User Score

    10

    May 31st, 2017 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.

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  • User Score

    8

    May 29th, 2017 Salt Lake City, UT

    I like that they do not have an annual fee, and the cashback rewards are great!

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