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.


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.

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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: Listed interest rates were accurate as of May 2017 but are subject to change. Actual rates may differ from those listed in our review.

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4 Citi Reviews

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  1. User Score


    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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  2. User Score


    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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  3. User Score


    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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  4. User Score


    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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