Citibank Credit Card Reviews, Rules & Opinions
Citibank is one of the top credit card issuers in the U.S with a wide variety of cards. MoneyGeek reviewed different Citibank cards and highlighted Citibank card benefits, their application rules and more.
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Citibank credit card offerings include reward, business, balance transfer, travel, cashback and student credit cards. Citi also offers co-branded cards with organizations like Costco and American Airlines.
Citibank card benefits range from generous reward programs and cashback rates to lengthy balance transfer periods and perks like access to Citi Entertainment. However, you will need a good to excellent credit score of 670 or higher to be approved for most Citibank credit cards.
Featured Credit Cards Offered by Citibank
Citibank’s credit card portfolio consists of 14 credit card options that include business, rewards, balance transfer, travel, co-branded and cashback credit cards.
Other Cards Issued by Citi
Citibank’s portfolio also includes these cards:
- Citi Custom Cash℠ Card: This cashback card has no annual fees and earns 5% cashback on your highest spending category plus 1% on all other purchases.
- Citi Simplicity Credit Card: This balance transfer card has a 21 month 0% introductory APR, no annual fees or penalty fees and is a great choice for those who want to pay off debt from other credit cards.
- AT&T Access Credit Card From Citi: This rewards card is offered in partnership with AT&T and rewards cardholders 3 points per dollar spent at AT&T.
The Best Citibank Credit Cards for March 2022
With cards offering options of no annual fees, 0% introductory fees and varying reward rates, Citibank offers consumers and businesses credit cards to suit different profiles and needs.
- Costco Anywhere Visa® Card by Citi
One of the best cards available for Costco members who spend a lot on gas
- ExcellentRecommended Credit
- $0Annual Fee
- 1–4% Cash Back*Rewards Rate
- 3xRewards Rate on Dining
- 3xRewards Rate on Air Travel
- Citi Premier® Card
An excellent travel rewards card for international use
- ExcellentRecommended Credit
- $95Annual Fee
- 1–3 Points per $1Rewards Rate
- 3xRewards Rate at Hotels
- 3xRewards Rate on Groceries
- Citi® Diamond Preferred® Card
Best balance transfer card for immediate transfers
- ExcellentRecommended Credit
- 0% APR on new purchasesAPR Offer
- 12 monthsAPR Offer Duration
- 0% Intro APR on balance transfers for 21 months then 17.74% to 28.49% variable APRBalance Transfer Offer
- 16.74% - 27.49% (Variable)APR
Rules for Applying, Acceptance & Welcome Bonuses
If you want to apply for a Citibank credit card, it is important to consider factors such as your credit score. It is also important to understand Citi’s policies on multiple credit card applications, bonuses and approval processes.
Other Considerations About Citibank
Aside from benefits and fees, it is also important to consider factors such as user experience and customer satisfaction before choosing a Citi credit card.
Customer Service & Satisfaction
Citi received a J.D Power customer satisfaction rating of 805, ranking sixth among national issuers in a 2021 survey. Citi bank offers cardholders 24-hour customer service via telephone. You can also manage your credit card account online or using the Citi mobile app.
Mobile Apps & Online Services
Citi’s mobile app allows users to make bill payments, check transaction history, set up account activity notifications, activate a new card and manage their accounts with just a few taps. It is available for both Apple and Android devices.
According to a J.D Power 2021 Mobile Banking App Satisfaction Study, Citi ranks sixth among national issuers with a score of 856 out of 1000.
Security & Credit Monitoring Services
As a Citi customer, you can automatically use Citi Identity Theft Solutions for free. This identity theft protection provides personal support and cardholders are not held liable for any fraudulent transactions made on their Citi cards.
Additionally, the Citi Quick Lock feature accessible through Citi's website and mobile app lets you lock your lost or stolen credit card.
Loyalty Programs & Other Issuer Perks
Citi’s credit card portfolio includes multiple cards that earn ThankYou Rewards points that can be redeemed for cash back, gift cards, travel and hotel accommodation. Citi ThankYou Points can be transferred to 18 airline and hotel loyalty programs at no charge.
Citi also offers cards that include cash back rewards based on partnership with airlines and other partners. Select Citi credit cards even come with access to Citi Entertainment, which gives cardholders presale and VIP access to various events.
Citi allows the primary cardholder to add anyone as an authorized user on their Citi credit card. Most Citi cards allow you to add authorized users for no additional charge. There is no minimum age requirement for an authorized user, so children can also be added to your Citi credit card. However, Citibank does not allow you to set spending limits for authorized users on most of their cards.
Authorized users have access to the same benefits that primary cardholders have depending on the particular Citi credit card. That said, purchases made by authorized users on your card will earn you reward points, but only the primary cardholder can redeem those rewards.
Overall Opinion of Citibank & Their Credit Card Offerings
Citibank offers a wide variety of credit cards that may fit the needs and preferences of different consumer profiles. Citi’s reward and cash back credit cards offer competitive rewards that can help users earn rates that might benefit businesses and consumers who are looking for low-cost rewards cards. Citi also offers generous welcome bonuses as well as introductory APRs that are ideal for those looking to pay down debt and save on interest charges.
Citi cards are worth considering if you fit any of the following profiles:
You are paying down debt
The Citi Simplicity card has a 0% introductory APR for 21 months and no annual fees. It is ideal if you want to pay down debt on other credit cards.
You are a small to medium-sized business that frequently uses American Airlines
Citi cards like the CitiBusiness/AAdvantage Platinum Select Mastercard and the Citi/AAdvantage Platinum Select World Elite Mastercard allow you to earn rewards on business expenses and receive convenient travel perks.
You are looking for a cashback card with no annual fees
Citi’s Double Cash Credit Card earns a 2% flat-rate cash back reward on all purchases and comes with flexible redemption options. This card has no annual fees meaning you can get maximum value for your rewards.
"Citibank offers a variety of attractive credit cards for both consumer and small business customers. Citi ThankYou Points offer tremendous value when transferred to partners and its co-branded partners can save both money and time with valuable benefits. Small business owners can maximize their rewards by getting both the business and personal versions of their co-branded cards."
- Lee Huffman, credit card expert at BaldThoughts.com
Still Not Sure About This Issuer? Consider These Options.
Citi is one of the top national credit card issuers in the U.S with a solid portfolio of credit card options offering a wide range of benefits and rewards. However, if you are still undecided, you can check out other issuers such as American Express and Chase for more credit card options.
Learn More About Credit Cards in General
- Citi.com. "Citibank Rewards and Offers." Accessed January 11, 2022.
- Citi.com. "Services." Accessed January 11, 2022.
- Citi.com. "ThankYou From Citi." Accessed February 9, 2022.
- Citi.com. "View and Compare All Credit Cards." Accessed January 11, 2022.
- Citi.com. "Your Guide to Protection Benefits." Accessed January 11, 2022.
- CloudApp. "Citi Premier® Card." Accessed February 9, 2022.
- NerdWallet. "Your Guide to Citi’s 48-Month Rule." Accessed January 11, 2022.
- J.D Power. "2021 U.S. Banking and Credit Card Mobile App Satisfaction Survey." Accessed January 11, 2022.
- J.D Power. "2021 U.S. Credit Card Satisfaction Survey." Accessed January 11, 2022.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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