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Citi

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5.7

Overall Score

Author: Jenna Vasquez

LAST UPDATED: April 15th, 2022

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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Star Rating

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4.4

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251 Reviews

Review Breakdown

5 grade

61%

4 grade

26%

3 grade

6%

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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Lee Johnson Niland, CA

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.

8 years ago

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Austin Adair Jarrell, TX

Store branded retail cards, and personal loans. Excellent pay history with loans and cards backed by Citi. However, attempting to add other cards, or limit increases with this company has proven unseccessful. Customer loyalty is quite low on their list.

6 years ago

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Paula Pili Provo, UT

This card offers no room for growth Customer service is difficult to work with and no matter how much you try to pay on time Nothing you do helps They offer no increase No growth It’s seriously a waste of card to have I ended up closing mine I had 💯 payment history Never allowed to improve

4 years ago

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Tim Berrett American Fork, UT

Every CC company raises rates and tries to get the maximum amount of interest out of you, including citi. I avoid credit cards as much as possible, but I do have one Citi Costco card. It has been fine, but I am ready to cancel it even though it is paid off every month.

7 years ago

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PolyanaL 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.

8 years ago

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David berk Phoenix, AZ

Sent new card i didn't request to an address not my own. Seem to have more trouble with stolen credit card info than the rest of my cards

6 years ago

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Chris

Long waits for telephone service. Phone tree is awful to even get to an agent. I complain every month to no effect

6 years ago

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Laona Ayles Seattle, WA

Too easy to apply for multiple cards without knowing.

4 years ago