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Citi

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304 User Reviews

6.7

Overall Score

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LAST UPDATED: May 24th, 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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304 Reviews

Review Breakdown

5 grade

61%

4 grade

26%

3 grade

7%

2 grade

3%

1 grade

3%

Sentiment Criteria

Value

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Quality

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Service

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Trustworthiness

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Micheal Gibbs El Centro, CA

Interest rates too high! They need to lower rates about 30% or more!

1 month ago

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C. McDaniel Atlanta, GA

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

3 months ago

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Michfan Oklahoma City, OK

I was extremely happy with them when I had them. I was working on my credit and didn’t use them for a while and they cancelled my account for inactivity.

9 months ago

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Shalon Johnson MS

Cutie is super hard to navigate. Website is not as user friendly. Not any extra perks for being a member. It’s a basic credit card. Wish there was some perks or rewards involved.

1 year ago

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Steve Colella Coraopolis, PA

I was a long time credit card customer with city until they abruptly canceled my card with no notice or advising on actions I could take to keep my account active. It was automatically canceled due to inactivity

1 year ago

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abe fried Bensalem, PA

Their customer service agents are rude at times, even to long standing customers. they wouldn't let my dad use the restroom in the branch even though we have been customers for tens of years.

3 years ago

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Stella Wilson Humble, TX

I didn’t have great service with this card fell behind due to loss of job but paid it off and they canceled my card

6 months ago

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Vincent P. Eason Nampa, ID

I like the convenience of this credit card until I found out about the $60 a year annual credit card fee now I'm going to cancel them

3 years ago

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B-dog San Antonio, TX

I have the Citi card tied to Costco account. Not a fan of how they treat their customers. I have asked for a credit limit increase and been denied yet have 800 credit score.

3 years ago

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Jami Lucas Eagle Mountain, UT

We had a citi card for years and always struggled paying it off. They were never willing to work with us and I felt pike the interest rate kept rising.

3 years ago

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John Salem, MA

I like the 2% cash back feature. You need to pay your complete balance each month to really take advantage of this.

5 years ago

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buggy crazy Clatskanie, OR

Been on them for decades they have really good fraud protection but I am sick to death of the junk mail and spam they keep sending.

1 year ago

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HLG American Fork, UT

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.

4 years ago

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Jillian Grand Rapids, MI

Signed up for zero interest. Didn't use the card because others have better cash back.

10 months ago

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GREGORY MC LENDON

CUSTOMER SERVICE WHEN YOU SPEAK WITH A PERSON IS GREAT. THE AUTOMATED SYSTEM CAN WASTE YOUR TIME

10 months ago

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Kimberly Jackson Derby, KS

Decent, but their website and customer service could use an update, as neither are very user friendly.

3 years ago

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amycray Bangor, ME

Citi has higher interest rates than some of the other companies

2 years ago

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Joyce

They have nice 0% APR offers. Their dispute service has been unsatisfactory.

4 years ago

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Cathy rodrigues Gilroy, CA

Their interest rate is high and the o percent rate isn't long enough

5 years ago

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Danielle Powell Long Beach, MS

Unforgiving representatives if you forget to update your monthly routing information. huge fee.

3 years ago

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Miller Clarksburg, MD

Good company, the customer service could use a little work thou.

2 years ago

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