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6.7

Overall Score

LAST UPDATED: February 22nd, 2024

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

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4.3

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380 Reviews

Review Breakdown

5 grade

61%

4 grade

25%

3 grade

7%

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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Sharon Las Vegas, NV

Citi cards has many options beside just a credit card company. The low monthy payments are great when you are trying to pay off other cards. They offer loans that give you access to your available credit. This is a great card that has many benefits.

1 month ago

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atokoose taiwo boluwatiwi Lagos, LA

The Citi credit card gives you real hope with it low monthly payments especially when you are on a tight budget and they offer a cash back on every purchases you make which helps to save back some cash, the cashback isn't much on a small scale but when you make pay for some expensive goods. That 5 percent can be life saving. Their customers service is readily available and any complaint is quickly handled

1 month ago

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Rebecca Tunnell Bolivar, MO

Citi card is a very efficient card. They mean business but it’s the same time. Have a great customer service. Citi cards are accepted everywhere.

4 days ago

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Hank Ricardo Winnipeg, MB

Citi Financial credit card helped me alot in tough situations. Remember if you pay the balance on time , you won't be charged any %. Very friendly customer service as well.

1 week ago

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Clar lau

Citi credit cards are easy to use during the purchase and offers 5% on every purchase. Citi credit cards limit is easy to increase because somedays back, I requested for the card limit increase and my issues was handled without a delay.

1 month ago

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Samantha Madero-Craven

My experience with Citi has been quite positive overall. Their customer service is efficient and helpful, addressing my queries and concerns promptly. I find their online banking platform user-friendly, offering easy access to account information and transactions. Their range of financial products, from credit cards to savings accounts, caters well to diverse needs. While their fees can be a bit high compared to some competitors, the benefits and rewards programs they offer, especially with their credit cards, add significant value. Citi is a solid choice for those seeking reliable and comprehensive banking services

2 months ago

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Courtney De La Paz

Hate it. Regret getting this credit card. It’s hard to get in contact with customer service. Just not a fan favorite of this one.

21 hours ago

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Christopher Semones

The citi card is my work card of choice. The customer service is world class and is always available. Works amazing in South America and Europe

2 weeks ago

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Michelle Thomas Anaheim, CA

Citi is a great company to have credit with. I found them attentive to my situation and kindness was extended to me a few times. I do pay my bill and they recognized a mishap was a mishap and treated me respectfully and fair.

3 months ago

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Andrea Luke (Andrea L) Montreal, QC

I used Citibank especially with my Costco card. They are usually very good and one of the first card I ever had. They have great customer service. They have excellent online and automation prompt recording. I was able to remove a one-time overdraft fee.

3 months ago

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Kelsey T.L. Lansing, MI

I hold a Citi Costco credit card, and it's been a rewarding experience. Citi offers a range of card options, and their service has been decent. The Costco connection sweetens the deal with great cashback benefits. My only minor concern is occasional customer service delays. Overall, I'm pleased with my Citi credit card.

3 months ago

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LES PEWITT Elizabethtown, KY

citi was very helpful in resolving fraudulent charges.

3 days ago

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Richard Birnbach Monterrey, NLE

I have had a Citi credit card for over 15 years. I have never experienced anything less than truly professional customer service. Their web site is very user friendly and easy to navigate. The credit cards they offer have various inducements; I am using the lower interest rate card with thank you points as a reward feature. Redeeming the thank you points is easy and shipping when required has always been reasonably fast. They also offer a full range of credit services including travel notification, fico score, identify theft protection, insurance and special offers.

7 months ago

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Kevin Ortiz

Citi credit cards may not always seem like the better value upfront. However, when you dice deep into the variety of cars that they are able to offer, I believe that we are always able to find something that could benefit us such as credit rewards, travel, or cashback options. These are also great options for people trying to build credit.

8 months ago

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Suman Sharma

I am Citi card user since 2010, very professional and APR is also not that high. They put you as customer at top and very good for any deals and discount coupons. Payment reminders also in time.

4 months ago

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Peter Fucci Medford, NJ

This company really takes care of its customers, especially when there are unexpected charges to your card. They quickly research the charge and refund your account once identified as fraudulent.

4 months ago

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Jeri Bryant

Citi is company I just stated using and ther app is awesome it give you recommendations and fico scoring. I did take advantage of the promo they had and I have been enjoying it.

5 months ago Edited September 15, 2023

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Golf Addict Hyattsville, MD

I have been a citi credit card holder for many years. You are rewarded for being a good customer from citi. 0% interest on balance transfers for a year with a 5% acquisition fee. So many offers to talk about. Great credit card with plenty of perks

6 months ago

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Sandy Carnegie, PA

My Citi card is my “go-to” card. I love watching the rewards grow and especially like that I can apply it to my monthly balance. Any time I’ve needed to call customer service, they been very responsive. This is the card I grab first.

7 months ago

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Sherran Nutson Atlanta, GA

I am/have been a Citi customer for more than 20 plus years. My first Home Mortgage loan was with Citi. I have a few credit cards with Citi and they provide excellent insurances and coverages whenever I use my Citi Credit cards to do business.

7 months ago

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G.J. Boise, ID

Citi card has great customer service! My husband lost his card when he was getting gas. I called as soon as he told me and they were awesome. They immediately froze our cards and checked to see if there were any charges that we didn’t make. They issued us new cards. We can use this card anywhere and get cash back . We only use are cards at Costco and we receive cash back for gas and groceries.

1 year 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.

3 years 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.

6 years ago

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Annette Branson, MO

Not crazy about their interest rate, but they have FANTASTIC concert tickets and special access!

3 weeks ago

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Rafael Matthew Jamaica Plain, MA

I've been banking with Citi for almost a decade now and I can honestly say that it's the best bank I have ever used. They offer a wide range of products and services, from credit cards to mortgages, that are tailored to fit my needs. Their customer service is unbeatable; they always respond quickly to my inquiries and take care of any issues promptly. Citi Review is an amazing bank!

11 months ago

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Forrest Newtom Ringgold, GA

I discontinued my association with them due to the constant issues that I had with their operation. When I canceled my card the proceedure was definitely designed to prevent that from happening. It was necessarily difficult.

1 month ago

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Joerly Concepcion Mercedes Miami, FL

I love their credit card with the Costco membership, you get rewards pretty simple. Interest can be a little high sometimes .

1 month ago

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Julie Fennell Butler, PA

I am pleased to work with Citi. I have never had any issues and they were extremely helpful during my balance transfer.

2 months ago

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Ray Chase Iowa Falls, IA

Introductory interest rate 0% for first 18 months. Helped me catch up on other cards. Access to credit score.

2 months ago

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Hibob Kokomo, IN

My experience using Citi has been great and easy to use them. Their customer service support is available 24/7 when I have questions

4 months ago

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Verified Customer

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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.

3 years ago

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Toni Lazcano Los Angeles, CA

The best credit card I’ve ever owned. Payment reflect same minute, incentives are actual incentives, great customer service, and is accepted everywhere with actual banks!

4 months ago

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Marsha Dallas, TX

My experience with Citi has been excellent. Customer service and support is always consistent and pleasant. I have the credit card but will be looking into more ways to do business with this great company. Thanks

6 months ago

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John Baylor Jr Richmond, VA

The double cash card is an awesome card being able to receive points on the purchase and then as you pay it back is an amazing concept! You're getting double points for your purchase!!

7 months ago

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Lynette Jorgensen Herriman, UT

I have been a Citibank card holder for many years. They have reasonable interest rates and I love the cash back option for purchases. They have been quick to warn me of any possible fraudulent activity and refund fraudulent charges. Their customer service is great to work with.

2 years 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.

3 years 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!!

3 years 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!

4 years 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.

5 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.

6 years ago

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cindy g Victorville, CA

I really like doing business with City. I have been offered to do balance transfers, 0% APR’s, and they have been really good with customer service. I’ve never had any problems with them. I would continue to accept their offers.

8 months ago Edited May 24, 2023

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David Adrian Morales Weslaco, TX

This 1 of my go to cards! It offers good introductory offers, benefits, and rewards. I really like the Flex Pay feature that allows you to finance individual purchases over $75. The Flex Loan feature is another good one. Its less interest than a cash advance or personal loan and easily accessible.

9 months ago Edited May 22, 2023

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Kat Kal Mount Laurel, NJ

They offer credit card service to customer with low credit rating. My credit history went down but they still offered me credit card that helpmed me save losts of my financial stress. These people are very good and always do better service. Customer service excellent.

9 months ago

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joe martins Plano, TX

Have used their card for many years with American Airline miles. By having the card there are benefits at the airport as well as free baggage. Easy to use quick response when a question arises. Would recommend Citi Bank for your banking services.

9 months ago

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Jorge Briscoe Lafayette, LA

As a COSTCO customer who has the CITI COSTCO VISA I am pleased to say that this is the BEST relation between credit card and merchant. the ease of use, the benefits, the hassle free connection's between COSTCO and CITI make this card a DREAM team with COSTCO

9 months ago

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Michelle Thomas Anaheim, CA

Citi is an amazing. I love this company. Customer service is great. Cash back bonus is a plus.

2 months ago

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Jlbflatx 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 years 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.

2 years 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.

4 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.

4 years ago