I have had this card since 2015. I have a high 5-digit credit limit, and an 818-credit score. Although I have many cards, this is my go-to primary card. The rewards are fabulous, especially since I pay off balance every month. I get points for purchase and for payback. I use it for everything and rack up the points which never expire. NEVER EVER HAD AN ISSUE WITH THIS CARD. I LOVE IT.

Got approved in July it is now the end of September and still no card. I called so many times and when they were supposed to resend a card they just closed my account and hurt my credit score. When I called for the 5th time they told me not to worry and my score would go back up and they would reopen my account. Very annoying. I will be so upset if this card never shows up after all this.

Even after an overwhelming amount of pre qualify offers were sent my way including credit karma "outstanding odds", I was denied at 715. Connecting with someone is almost impossible. No thanks, better options out there

I have yet to see any other card beat the offer of 2% cash back on... everything. Every transaction. All of them. So long as you pay your balance, it's 1% + 1% on everything. No categories, no special redemption processes or sites you have to book through. And absolutely no annual fees, for you or your authorized users. There's a reason this has been my go-to everyday card for almost a decade now. Mind, there really are no frills on this card. No fancy travel credits, lounges, room upgrades. But for the working class just trying to get a 2% discount on their entire life? This card is perfect. Worth noting, I've had my card info stolen twice in nearly ten years. Both times, Citi was terrific about locking down the old card, removing the fraudulent charges, and getting me a new one. The second time, they even shipped the new card overnight.

Unlike some of the other reviews on here, my available credit has been lower on this card than other ones that I own. However, I really like the 2% rewards. But if you plan on keeping a balance, then it will not be that great. I also have their Simplicity card and I think Citi Bank is my favorite cards

Citi reduced my credit line because my total available credit on my credit report was reduced due to expenses incurred while I had Covid. I’ve never missed, nor was I late on a single payment, and even their reps agreed I am an excellent customer. This is a really bad look for this bank. Taking my business elsewhere.

Their customer service is abysmal. They lie to you often. For example, when you try to dispute something over the phone, they told you it's finished but it was never started. They are also rude and inconsiderate. Even with all solid proof, they are still against you. The debit card department is not good either. You often have to wait for 15 minutes to talk to someone, and it turns out to be useless sometimes. I am closing all accounts I got with them and I am not coming back.

Had this card for 2-3 years with no problems, because i onnly used for amazan gas and other mainstream purchases. When i tried to use online on a website, the card was denied for fraud. Customer service was super rude i even got in an arguement with one guy had to hang up on him. I had to call 2-3 times to get the fraud removed and it was still on there, switching to discover now. rude customer servbice

I regret applying for this card. I used it for a balance transfer and it was fine... but I paid it off and will never use it again. I missed a payment by a day (because I was not notified a payment was due) and they cancelled my introductory 0% rate. The online banking is almost unusable (compared to Wells Fargo, or even Capital One). It is also very frustrating to pay off your balance and then receive the second half of your rewards - it is just better to get them all at once. Go with one of the WF cards - seriously.

Credit karma said I had a good approval rating