Citi

6.4

Overall Score

17 User Reviews

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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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#6 Citi Logo Citi

6.4

Overall
Score

17 User Reviews

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.

User Reviews

4.5

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  • 6

    Cathy rodrigues

    December 11th, 2017 Gilroy, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Their interest rate is high and the o percent rate isn't long enough

    Helpful?
  • Verified Customer

    10

    Cambraia

    November 28th, 2017 Miami, FL DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    they care about me, are accurate and fair. do not let anything to interfere on my sleep and even better, without charge me for anything,

    Helpful?
  • Verified Customer

    10

    mcinlv

    November 28th, 2017 Las Vegas, NV DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Used for trahsfer of balances from other cards; very easy to work with.

    Helpful?
  • Verified Customer

    10

    Ryan Hancock

    November 13th, 2017 Pocatello, ID' DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Love the fact I get points when I purchase and points when I pay

    Helpful?
  • Verified Customer

    10

    Kathryn Crawford

    November 13th, 2017 Fullerton, CA DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Have a grace period to pay without charging interest. Offers come on a regular basis to have interest-free for one year.

    Helpful?
  • Verified Customer

    8

    Randy Constan

    November 13th, 2017 Tampa, FL DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    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.

    Helpful?
  • Verified Customer

    10

    Don Rogers

    November 13th, 2017 Schenevus, NY DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    Greet transfer rates and promotions. Saves me money in long run.

    Helpful?
  • Verified Customer

    9

    Karen Williams

    October 24th, 2017 Tucson, AZ DETAILS

    Value for your money
    Quality of product or service
    Customer Service
    Company trustworthiness

    They are Customer oriented, they listen and respond where others don,t

    Helpful?
  • Verified Customer

    10

    J Coleman

    October 16th, 2017

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

    Helpful?
  • Verified Customer

    10

    Anna Bartalis

    October 2nd, 2017 Sacramento, CA

    Reliable,trustworthy, and will give you good revards

    Helpful?
  • Verified Customer

    10

    none

    September 25th, 2017 Rogers, MN

    Always available 24/7 and responsive and knowledgeable

    Helpful?
  • Verified Customer

    8

    Holt Butt

    September 14th, 2017 Portsmouth, VA

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

    Helpful?
  • Verified Customer

    9

    Leonard Matlaw

    September 12th, 2017 Littleton, CO

    They have an excellent rewards and rebate program.

    Helpful?
  • Verified Customer

    7

    John

    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.

    Helpful?
  • 8

    Mark

    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.

    Helpful?
  • 10

    Jonny Hancock

    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.

    Helpful?
  • 8

    Aubrey Rentschler

    May 29th, 2017 Salt Lake City, UT

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

    Helpful?