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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251 Reviews

Review Breakdown

5 grade

61%

4 grade

26%

3 grade

2 grade

1 grade

Sentiment Criteria

Value

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JOHN M CAMPBELL ,

I recently applied for one of their "Double Cash Mastercards" because they give you 2% back on purchases. Their was no trouble getting back an instant approval online & the card arrived in about 5 days. I've since transferred most of my business to the card because of the rate of return. They've got an easy website to track your business & I've been very pleased with the service.

5 years ago

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Verified Customer

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Bill Lee

They provide 2 per cent cash back, 1% upon the charge and another 1% when payment received. Allowed me to set the payment day of the month.

6 years ago

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Lynette Jorgensen Herriman, UT

I have been a Citibank card holder for many years. They have reasonable interest rates and I love the cash back option for purchases. They have been quick to warn me of any possible fraudulent activity and refund fraudulent charges. Their customer service is great to work with.

4 years ago

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Lori Claassen Herriman, UT

I opened my CitiBank card once Costco switched to them. Other than the APR going up...it’s a great card! I had a fraudulent charge on my card and I called them, they were great to work with and they took the charge out and sent me a new card immediately!!

6 years ago

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Eddie Rios Ogden, UT

My Citi credit card offers a lot of flexibility. And great rewards too! But the best reward is low rates. My Citi card is my most competitive card and helps me best with long term purchases. Thanks again for the saved money Citi!

6 years ago

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Justin Vance Lehi, UT

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.

8 years ago

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Jonny Hancock 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.

9 years ago

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Jlbfla New Braunfels, TX

Love citi. Love the money back rewards. I have the 2 percent where you get 1 percent when you buy and 1 percent when you pay your bill. Who doesn’t like getting money back! Easy to use their site. Can view all charges, can ever click to get notifications on when you buy and when you pay and more. Easy to spot a fraud charge if needed. Customer service has always been great with questions. Easy to manage account online. They even have special protective services for your card for damages etc. I find the card convenient and accepted everywhere.

4 years ago

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Megan Roper South Jordan, UT

I absolutely love my Citi Credit card. This is the one credit card I use all the time because they have great rewards. I also have been so impressed by their security team and customer service. Any time I have a question or concern I call their company and it is figured out within minutes. I got my credit card number taken once and they took care of the situation so quickly and professionally.

5 years ago

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Reese Pleasant Grove, UT

I have had a Citi credit card in the past and it was good on fees, average on the interest rate and easy on the functionality. I could use it anywhere and the limit was reasonable. It would have been better if I could have payed it off monthly but I had to carry a balance and this wasn't terrible as they were easy to work with, but it was expensive. They have great options for everyone and a card that will fit everyones situation.

7 years ago

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Brandie Rudy West Jordan, UT

I have been a citi customer for a long time and over the years they have made so many great improvements. I love being their customer as they take suggestions from consumers serious and make changes that are appropriate. They have so many card options to fit anyones needs. They have low interest rates, no annual fee and offer low interest payoff options for high interest rate debt. They have an extremely intuitive website that provides options to make payments and ask questions.

7 years ago

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Helen Thompson Bountiful, UT

WE DO SO MUCH OF OUR FOOD SHOPPING AT COSTCO THAT WE DECIDED TO SAVE AND TRY USING THE CITI BANK CARD. WE HAVE REALLY ENJOYED THE SAVINGS AT THE END OF THE YEAR WE GET WITH THIS CARD. THEY HAVE BEEN VERY EASY TO GET AHOLD OF WITH OUR QUESTIONS THEIR MONTHLY STATEMENTS ARE EASY TO USE AND KEEP TRACK OF YOUR SPENDING. WE ARE HAPPY WE CHANGED OVER TWO YEARS AGO.

7 years ago

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Shauna Craig Pleasant Grove, UT

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.

7 years ago

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Chad Edgar Wentzville, MO

A very good credit card to have in case of emergencies in CT is awesome and will be there for you when you need them most cheap and easy repayments small payments easy easy payments and wonderful customer service

4 years ago

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Adam Wolfe

I have never had any problems with this card. Customer service is awesome and has always taken care any questions or issues I have with disputes. I would recommend this card to just about anybody.

6 years ago

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Qiao Bethesda, MD

Citibank credit card is the most reward card I got so far, It is safe and closely monitored for abnormal activities, I got instant messages when my count was compromised , and bank mailed out my new replaced card right way.

6 years ago

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Hung

The customer service is very helpful, I had a few disputes with charges from some company and the Citi bank personnel had straightened it out quickly, I would recommend others to have business with them

7 years ago

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Judy Fred Narragansett, RI

A 2% cash back card that is good for ALL purchases?? It's true! one % when I buy, one% when I pay. No annoying rotating categories to keep up with! I'm a busy person, and I know that this card will always be in my wallet. The smartphone app is so EASY to use, I just love this card.

4 years ago

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Janan Grange Pleasant Grove, UT

I own the Citi Visa Costco card. I use it everytime I go to Costco. It's not my main Credit Card as another card gives me better travel points. However, it's been a great card and when my wallet was stolen they were easy to work with.

4 years ago

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Yuli Gallardo Delray Beach, FL

I have been a client of Citi bank for many years now and have both a Citi Credit Card and a debit card. Citi has been part of helping me grow my credit, I even used them once when I was trying to pay off by debts for a balance transfer at .% interest which really helped me a lot.

4 years ago

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Tami Thurgood Ogden, UT

I have had a credit card with Citi for several years and have never had any problems. When I lost my credit card, I got issued a replacement immediately. The replacement came in the mail quickly. The company is easy to work with.

4 years ago

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Alexandria Lekberg Chesterfield, VA

I have been a customer with Citi for 15 years. I love getting my miles with them for American. The company has been great for any unknown charges. They called me right away. They saved me from a $8,000 charge! So grateful they called. I can use it almost anywhere! The downside is that I can’t use it at Costco anymore.

4 years ago

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Sarah Biondo Gilbert, AZ

We have a couple of Citi credit cards and have bigger credit limits on them after being customers for awhile. Everything is easy and we also seem to have great 0% balance transfer options that we love and take advantage of. Customer service is always helpful.

4 years ago

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Dave Spokane, WA

The Costco Citi Visa card has some of the best rewards out there. I use it for all my gas, restaurant, and entertainment purchases. I also like that it has my picture on it so it can serve as photo ID in a pinch. Good app also.

5 years ago

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Wilkshake Lehi, UT

I applied for a Citizen card in connection with my Costco purchases and have been very pleased. It enables me to receive alerts as well as paying rewards for card usage. I receive weekly updates and paying my charges on line has been very helpful.

5 years ago

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Christina Healey Provo, UT

We’ve really liked our Citi card. We get cash back every year and their customer service is easily accessible. They help with problems quickly. Using the app is super friendly and easy. I’ve had to replace my card because it was lost and they immediately send out a new one with no hassle.

5 years ago

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Eric Wilkinson Herriman, UT

We have a Costco Citi card. We love that we acquire Costco cash quickly and Citi has managed our account very well. If I ever call the customer service, they take great care of us. The website is easy to categorize where our money went so that we can stick to a budget.

6 years ago

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RodrigoRamirez Austin, TX

Recently opened up a card with Citibank. I really like how they give you a timeline showing with the amount you're paying how long it will take to pay it off. It's almost as if they're invested in helping you pay the card down when need be and managing finances.

6 years ago

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Martha Gourley Pleasant Grove, UT

We have used Citi as our main card that we use from Costco. We have been very happy with the service. The company is very good to answer questions and help with problems. They also notify us immediately if there are suspicous charges being made to the card.

6 years ago

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Ashley Pleasant Grove, UT

Citi credit card was my first credit card. They had an unbelievable beginning APR rate. It was a great way to establish my credit history and put me on my way from college. The student card even gives great rewards! It is a very reliable and trusted company which was important to me.

7 years ago

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Rischelle Mikkelson American Fork, UT

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.

7 years ago

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David Lewis Salt Lake City, UT

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.

8 years ago

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Luke Swierczynski Troy, MI

Have a card with them from costco. The card itself is extremely competitive, but my one complaint is that the cash back is yearly not monthly like competitors.

4 years ago

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Brittany Wilkinson Herriman, UT

I love my Citi card. I am happy with their customer service and I trust that when I use my Citi card, I feel that they will keep my information safe and secure.

6 years ago

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Taylor Jorgensen Herriman, UT

I have been a Citi Bank Cardholder for 5 years. They have reasonable interest rates. The customer service department was great to work with when we had some fraudulent activty on our card.

4 years ago

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letsgogreen12 Macomb, MI

I have had a Citi Card for a few years just to boost my credit score. I use it regularly and pay the balance off. I like that the company has incentives like cash back on gas purchases.

4 years ago

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Joe Leahy Marshfield, MA

I love the Citi Master Card on line access to my account. Tracking your activity and credit score in one click is very simple..You set payment and purchase alerts also very easy to navigate

4 years ago

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Jmarsh Macomb, MI

My Citi Card has always worked and has held up to being washed in a washing machine more than a few times! Once my payment was late in the USPS mail system and I contacted customer service who kindly removed the late fee.

4 years ago

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Party0f7 Macomb, MI

I have had an account with Citi for a few years. I’ve never had any problems with my account. They offer cash back deals depending on your purchases which is a nice feature.

4 years ago

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Wendy Barney Vancouver, WA

Citi has been great customer service. I have the Costco Citibank credit card and when the “tapping” method wore out, I called and was able to get a new credit card without any problems or interruptions of service.

4 years ago

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Bethany Rockville, MD

We had particularly good experience with the citi’s Costco Anywhere Visa card! It is excellent with good rebate program, not only for Costco shopping, but for travel, gas, and dining.

5 years ago Edited September 14, 2021

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Tylyn Hansen American Fork, UT

I use a Citi credit card and it has been the best I’ve ever had. The rewards program is awesome and the app is so easy to use! It makes keeping track of my finances a breeze!

5 years ago

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Cal Hunter Riverton, UT

My Citi Visa card tied to my Costco membership is my go to credit card. The 2% cashback feature is great and when you travel abroad there are no foreign transaction fees. No annual fee makes this the card of choice.

5 years ago

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MattB American Fork, UT

My Citi Card is one of my favorite credit cards in my wallet. Their app lets me keep track of my spending and pay my bill with ease. Plus the rewards I earn are Some of the best.

6 years ago

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Myken Salt Lake City, UT

My Citi card is one I use regularly. It's accepted everywhere, has great rewards that add up quick and the ease of making payments through the app make it a great card for me and my busy life.

6 years ago

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fernandopessoa South Jordan, UT

We have a Costco Citicard and it’s amazing. We get money back on all that we spend, more than most other credit cards too. If you have to spend money might as well get rewards in each purchase. Very happy with it.

6 years ago

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Kaydence Bonino Riverton, UT

We have the citi visa costco card and love it! If I ever have a problem the customer service department is very helpful. I lost my card and they overnighted me one the next day. This is the main card I use.

6 years ago

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Zac Marx Brighton, CO

My citi credit card is my most used credit card. I enjoy the no annual fees or added interest rates. I also love the cheaper deals with costco and traveling benefits and rewards from use of my citi card.

7 years ago

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August Moulton Lehi, UT

We used a City credit card to consolidate debt about 10 years ago. The rate was amazing and that alone saved us as we were paying off the balance. Citi is a great company and we never had any issues.

7 years ago

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Fernando Delgado Tempe, AZ

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.

7 years ago