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Citi

Name: Citi
Rating: 4.4

4.4

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289 User Reviews

6.7

Overall Score

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4.4

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289 User Reviews

6.7

Overall Score

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LAST UPDATED: March 5th, 2023

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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User Reviews

Star Rating

4.4

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289 Reviews

Review Breakdown

5 grade

60%

4 grade

27%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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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!

2 weeks ago

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Mackenzie Spears Hutchinson, KS

Easy to use card. Easy to navigate app. One frustration I do have is my husband had me as an authorized user and they won’t allow me to have my own account to login and manage the account. I have to use his login. It’s lot a huge deal but it is annoying as if I get locked out for some reason it’s harder to gain access since it’s linked to his info and not mine.

1 month 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.

5 months ago

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MBA Dallas, TX

Great card. Just needs better customer service. Needs USA customer service. Agents need overall approval. The international fee for conversion is totally free

1 month ago Edited February 27, 2023

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Gumby Rowland Heights, CA

I just got a Citi card because they offered a $200 bonus if I used it right away. I was pleasantly surprised when I received the bonus immediately after having spent the required amount. I figured it would take a month or two.

4 months ago

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Ellie Bradley Thousand Oaks, CA

Citi has excellent service - almost too excellent. My husband is in the tech industry and often buys tech equipment, however when he uses our Citi card, he often gets temporary blocks or "did not go throughs" because those are high crime areas. He tired of always having to do the extra work to approve his purchases. Thanks for being thorough though!

4 months ago

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Deanna Greco Murphy, NC

I have had several accounts with Citi over many years. I value logging into one site to see all of my accounts. Customer service is always helpful and pleasant. Getting answers to questions is very easy. Citi offers many different programs to fit anyone's needs.

5 months ago

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TheRustyScupper Clermont, FL

We use Citi credit cards for family purchases, of about $3500/month. ANYTHING that be bought via credit card is put on Citi. With double-rewards, there is always money coming back to us. When we have had disputes over charges, they reacted quickly. Our disputes were removed from the bill until they were resolved. Good phone servicing.

6 months ago

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lucy li Austin, TX

We use CITI BANK credit card for years. If we found problem they will help immediately and solve problem with no hassles. And dispute on the app is really helpful. CITI BANK helped us took a little money back from a dentist office lately. The dentist hold my money over 4 month and never want to give back to me.

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.

2 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.

5 years 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.

2 years 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.

1 year 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!

3 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.

4 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.

5 years ago

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Palmira Pagan Mt. Dora, FL

Its ok dont give high credit but could use anywhere

3 weeks ago

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LaVoya Searcy Siloam Springs, AR

I was a Citi customer for about 14 years. Usually got good service. Between my Mother and I we had 3 different accounts. When we had to close accounts because they were closing the branch, I received 300.00 back for an account that was suppose to have been closed. So I learned, banks really do take your money and use it without your permission. Even the teller seemed surprised when she located the account and gad to give back the 300.00!!

9 months ago

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Judy Fred Narragansett, RI

A 2% cash back card that is good for ALL purchases?? It's true! one % when I buy, one% when I pay. No annoying rotating categories to keep up with! I'm a busy person, and I know that this card will always be in my wallet. The smartphone app is so EASY to use, I just love this card.

11 months ago

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Don Thigpen Kansas City, MO

I like the instant credit for my payments. Good perks when paired with Costco.

1 month 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.

1 year 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.

1 year 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.

3 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.

3 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.

4 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.

4 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.

4 years ago

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Gema Ortiz Orem, UT

Not a big fun of the CITI Costco credit card and because of my several frustrating experiences with them, I am hesitant to get another card from them nor up my credit limit.

2 months ago

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Jeff Barton Layton, UT

I use a Citi Costco card. I found that the citi bank customer service has been excellent and they offer the best benefits of any store card. Thanks!

5 months ago Edited October 13, 2022

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K Andres Purcellville, VA

I use Citibank credit cards for personal and business use. I trust Citibank to provide a reliable transaction approval which is important in my business.

6 months ago

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Rick Gore Canton, GA

Due to their cash back program. This is my most used card. I highly recommend Citi. They are also very easy to deal with and have very good customer service.

6 months ago

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Dadutch3zz Buffalo, NY

I love Citi! The perks are amazing the card never have any issues. I love the touch less feature during the pandemic. They are amazing! I will recommend to anyone.

7 months ago

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Chad Edgar Wentzville, MO

A very good credit card to have in case of emergencies in CT is awesome and will be there for you when you need them most cheap and easy repayments small payments easy easy payments and wonderful customer service

1 year 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.

3 years 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.

3 years ago

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Adam Wolfe

I have never had any problems with this card. Customer service is awesome and has always taken care any questions or issues I have with disputes. I would recommend this card to just about anybody.

3 years ago

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Qiao Bethesda, MD

Citibank credit card is the most reward card I got so far, It is safe and closely monitored for abnormal activities, I got instant messages when my count was compromised , and bank mailed out my new replaced card right way.

3 years ago

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Mikayla Ralston Navarre, FL

I've used CitiBank for credit cards in the past. They also have the contract for the government travel credit card (GTCC). The GTCC isn't the easiest thing to use. In fact, I typically avoid using it. As for their other credit cards, they are fine.

3 years ago

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Hung

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

4 years ago

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C. McDaniel Atlanta, GA

Just another credit card company that charges outrageous interest rates ,, even with good credit !

1 month ago

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Janan Grange Pleasant Grove, UT

I own the Citi Visa Costco card. I use it everytime I go to Costco. It's not my main Credit Card as another card gives me better travel points. However, it's been a great card and when my wallet was stolen they were easy to work with.

1 year ago

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Yuli Gallardo Delray Beach, FL

I have been a client of Citi bank for many years now and have both a Citi Credit Card and a debit card. Citi has been part of helping me grow my credit, I even used them once when I was trying to pay off by debts for a balance transfer at .% interest which really helped me a lot.

1 year ago

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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 year ago

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Alexandria Lekberg 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 year 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.

1 year 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.

1 year ago Edited January 5, 2022

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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.

1 year 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.

1 year ago

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