Citi

Citi Logo

6.4

Overall Score

52 User Reviews

a month ago

Citi

Citi offers APRs ranging from 0 to 23.24 percent*

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.

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. For more information on how we rank companies, click here.

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 us here.


User Reviews

4.6

52 Reviews

Your trust is our top priority, so we check all reviews for accuracy and relevance. Additionally, we do not allow companies to alter or remove reviews. Learn more

Sort by:
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!

Helpful?
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.

Helpful?
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.

Helpful?
Jodie Larson
August 28th, 2018 Pleasant Grove, UT

My Citi card is my go-to credit card. The rewards program associated with it is the best that I could find. Citi keeps track of my account and has caught and stopped fraudulent charges a couple of times. It is easy to use and accepted just about everywhere. I love that I can set up autopayments so that I don't have to worry about forgetting to log in to pay my bill.

Helpful?
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.

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

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.

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

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

Helpful?
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.

Helpful?
Nathan Johnson
August 6th, 2018 Palmyra, PA

Excellent customer service and cash back rewards

Helpful?
Eric
August 2nd, 2018 Annandale, NJ

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

Helpful?
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.

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

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.

Helpful?
Troy Siren
June 28th, 2018 Gilbert, AZ

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

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

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

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

Great credit rate,service, and incentives.

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

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

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

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

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

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

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

Great rewards, web site and customer service

Helpful?
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.

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

Pleasant and their website was very easy to use

Helpful?
Rick
June 5th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

They are very friendly and helpful when I have called customer service interest rates are fair.

Helpful?
Horserider
June 5th, 2018 DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Easy tho work with,good loan percentage,advance money if needed.recomended by others.quick response from then when asking for loan

Helpful?
H Moore
May 29th, 2018 Lehi, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Citi Bank has credit cards at competitive interest rates and are a great way to track your expenses.

Helpful?
Jeri Basko
May 2nd, 2018 Lebanon, ME DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Citi is good to deal with on issues. But at this time I am looking at getting rid of my Citi cards since they are not loaning money to gun manufactures. I find this appalling and will not support them in their decision to limit my Second amendment rights.

Helpful?
David Lewis
May 1st, 2018 Salt Lake City, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Love this credit card company especially the Costco credit card that is through Citi. Some of the best benefits I have seen from a credit card. I have only had to use the customer service once and it was not a bad experience at all. Their website is great to work with. All the features you would want with a card.

Helpful?
Marlene
May 1st, 2018 Taylorsville, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Love the refund I get back with Costco card.

Helpful?
Sandy
April 16th, 2018 Seaside, OR DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

We acquired this credit card through Costco. We like the rewards with cash at the end of the year.

Helpful?
JAIMEE SMART
April 10th, 2018 Logan, UT DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

We have three different Citi cards and are completely loyal to them. We get great returns and exceptional customer service. I will always stay with Citi.

Helpful?
Lenny
March 5th, 2018 Rancho Cucamonga, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

No problems, more than one card with Citi.

Helpful?
Ding Dong Daddy
February 26th, 2018 Anaheim, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Gives good rewards, and it is a nice looking card, but my picture is the best security measure

Helpful?
Pepe Le Pew
February 26th, 2018 Fremont, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Process was smooth, efficient and manageable

Helpful?
Pam
February 26th, 2018 Toledo, OH DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

always good customer service and support are the best

Helpful?
George Wilson
February 26th, 2018 Big Bear, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

I use this cardy weekly. Collect my 2% and pay it off monthly.

Helpful?
Lee Johnson
February 26th, 2018 Niland, CA DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Before I made a purchase I called and verified my interest rate. I took a cash advance which cost me 3% and when my first bill came the interest rate was 7.8% higher than what the quoted me over the phone. I called and asked for an adjustment they refused and I stopped making payments until they adjust the rate when they ask to my a one time payment I am prepared to make a reasonable payment.

Helpful?
Anonymous
December 18th, 2017 Nokomis, FL DETAILS
Value for your money
Quality of product or service
Customer service
Company trustworthiness

Costco Citi Visa - They have a generous cash back reward policy.

Helpful?
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?
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?
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?
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?