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 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.

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User Reviews

Star Rating

4.5
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117 Reviews

Review Breakdown

5 star
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4 star
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3 star
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2 star
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1 star
3%

Sentiment Criteria

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Joyce

January 30th, 2019 DETAILS arrow_drop_down
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They have nice 0% APR offers. Their dispute service has been unsatisfactory.

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Brinley Knowles

January 2nd, 2019 Smithfield, UT DETAILS arrow_drop_down
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Citi is great to communicate with if I am ever needing questions answers or have a problem with something. They have such a great rewards program and they don't charge you to pay an annual which is so great.

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Fernando Delgado

December 11th, 2018 Tempe, AZ DETAILS arrow_drop_down
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I have had my Citi Credit card for many years now and always carry with me in case i forget my debit card or need it for any emergency. Also great interest rate and promotions.

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Shauna Craig

December 10th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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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.

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Cori Jacobsen Ollerton

December 10th, 2018 Alpine, UT DETAILS arrow_drop_down
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Citi is easy to communicate with as well as helpful in times of need. I have had cc theft and they took good care of my issue.

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Katie Howard

December 6th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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We use our Citi card for Costco shopping, since it's the only one they accept. It gives us rewards, which we love, and I like having it as a backup card for other shopping as well. The interest rate isn't great, like most credit cards, but we pay off the balance each month so it's not a problem.

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edward reese

December 6th, 2018 Hyattsville, MD DETAILS arrow_drop_down
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just recently got a card from them and i enjoy not having penalty, no annual fee, and i can set my own pay date. another great benefit is the access to ticketmaster presales!

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Jaime

December 5th, 2018 American Fork, UT

We currently have a Citi card through Costco. We use it often and love the benefit of earning cash back by using our card places! It's also convenient to be able to look up our statements and past purchases online.

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HLG

December 5th, 2018 American Fork, UT DETAILS arrow_drop_down
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Probably would not use this card if not for Costco. They seem pretty average. Haven't done anything to earn my use other than partner with Costco.

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Melissa Carreno

December 5th, 2018 Mesa, AZ DETAILS arrow_drop_down
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I have a credit card through Citi, have never had any problems, they're a deliute to do business with. I can call or go online, or use my application on my phone with no problem. will recommend.

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Rischelle Mikkelson

November 15th, 2018 American Fork, UT DETAILS arrow_drop_down
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I really like Our Costco Citi card. It makes it easy to shop. I like that it tracks expense categories for me to help me know where my dollars are going. The mobile app is very user friendly and I am able to do anything I want from it.

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Michael

November 5th, 2018 Calabasas, CA DETAILS arrow_drop_down
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Have been very happy with our airline mileage card from Citibank. It has provided a good return on investment with miles that have been useable whenever we have wanted to use them on a wide selection of both domestic and international flights. Our mileage is through American Aiines and it’s affiliates. Would recommend the card for others

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Adam B

November 5th, 2018 Eagle Mountain, UT

Provided a quick and easy process to apply and approved me for a decent line of credit amount. I use this card for most all my purchases.

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Mitch Krull

November 5th, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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Good service, decently quick response times. Do as advertised. Not much else to say.

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Angela Nelson

October 31st, 2018 Pleasant Grove, UT DETAILS arrow_drop_down
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We have the Citibank Costco visa and we love it! We get great cash back and customer service has been great, and of course it makes shopping at Costco much easier. No complaints so far.

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Tania Saunders

October 31st, 2018 Saratoga Springs, UT DETAILS arrow_drop_down
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Love my Costco Citi card. I haven't really had any other rewards card, but I have really enjoyed this one. Already racked up $360 this year.

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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!

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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.

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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.

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Dave Brinton

August 27th, 2018 DETAILS arrow_drop_down
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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.

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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.

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Kym Gangl

August 22nd, 2018 Spokane, WA DETAILS arrow_drop_down
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Love citibank..always courteous. Helpful and CSU seems to KNOW their stuff. I will stay with this co.

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Nathan Johnson

August 6th, 2018 Palmyra, PA

Excellent customer service and cash back rewards

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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.

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Eric

August 2nd, 2018 Annandale, NJ

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

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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.

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Justin Vance

July 19th, 2018 Lehi, UT DETAILS arrow_drop_down
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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.

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Troy Siren

June 28th, 2018 Gilbert, AZ

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

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Roger Leach

June 18th, 2018 Rosharon, TX DETAILS arrow_drop_down
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Outstanding customer service, great service with fraud warning, no problems with 30 years of use.

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David Campbell

June 18th, 2018 DETAILS arrow_drop_down
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Great credit rate,service, and incentives.

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Julie Wandell

June 18th, 2018 Beaverton, OR DETAILS arrow_drop_down
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Outstanding rewards and never a glitch in billing, timing, accuracy

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Rick Kober

June 18th, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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easy to use accepted everywhere, customer service is the best ever

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MILOS CHORVAT

June 18th, 2018 Bentonville, AR DETAILS arrow_drop_down
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Never had an issue. They always notified me if suspiccious activity.

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Leonard Matlaw NA

June 18th, 2018 Littleton, CO DETAILS arrow_drop_down
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Great rewards, web site and customer service

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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.

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Satisfied from Temple

June 5th, 2018 DETAILS arrow_drop_down
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Pleasant and their website was very easy to use

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Rick

June 5th, 2018 DETAILS arrow_drop_down
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They are very friendly and helpful when I have called customer service interest rates are fair.

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Horserider

June 5th, 2018 DETAILS arrow_drop_down
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Easy tho work with,good loan percentage,advance money if needed.recomended by others.quick response from then when asking for loan

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H Moore

May 29th, 2018 Lehi, UT DETAILS arrow_drop_down
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Citi Bank has credit cards at competitive interest rates and are a great way to track your expenses.

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Jeri Basko

May 2nd, 2018 Lebanon, ME DETAILS arrow_drop_down
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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.

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Marlene

May 1st, 2018 Taylorsville, UT DETAILS arrow_drop_down
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Love the refund I get back with Costco card.

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David Lewis

May 1st, 2018 Salt Lake City, UT DETAILS arrow_drop_down
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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.

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Sandy

April 16th, 2018 Seaside, OR DETAILS arrow_drop_down
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We acquired this credit card through Costco. We like the rewards with cash at the end of the year.

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JAIMEE SMART

April 10th, 2018 Logan, UT DETAILS arrow_drop_down
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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.

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Lenny

March 5th, 2018 Rancho Cucamonga, CA DETAILS arrow_drop_down
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No problems, more than one card with Citi.

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Ding Dong Daddy

February 26th, 2018 Anaheim, CA DETAILS arrow_drop_down
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Gives good rewards, and it is a nice looking card, but my picture is the best security measure

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Pepe Le Pew

February 26th, 2018 Fremont, CA DETAILS arrow_drop_down
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Process was smooth, efficient and manageable

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Pam

February 26th, 2018 Toledo, OH DETAILS arrow_drop_down
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always good customer service and support are the best

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George Wilson

February 26th, 2018 Big Bear, CA DETAILS arrow_drop_down
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I use this cardy weekly. Collect my 2% and pay it off monthly.

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Lee Johnson

February 26th, 2018 Niland, CA DETAILS arrow_drop_down
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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.