When the COVID19 shutdown occurred in March 2020, Citi IMMEDIATELY lowered the limit on my card to the amount of my balance, in spite of my having a credit score over 700 at that time and a stellar record of payments for all my cards. Also, if you pay more than you charge in a month, you lose rewards.

Upgraded to this 2% cash back card 2 years ago with a balance, it was a quick process. Paid it off 6 months later. In terms of the customer service, overall generous experience. The interface on the Citibank App is clean and easy to understand in regards to how the cash back is obtained. In my opinion, great for amateurs. But I do hope they increase the cash back % in the future

so i applied 751 / 751/ 725 , denied *** :( Citi has a very long memory.., i did the big D,.. 12 years ago.

This is among the best (2%) Unlimited Cash back cards as long as you pay off your balances every month otherwise the interest will totally defeat the cash back purpose. Was hard to get approved, denied me 2 times in a year with a 750+ score, I was eventually approved with 795 Credit Score, 3 inquiries, & 4% CC balances, but only a $2500 Limit. That was 4 years ago, I have since been using the card, paying it off, and request Limit Increase every time My score is over 800, it's currently up to only $10,000 after 3 limit increases in 2 years which I had to ask for. I also have a Synchrony 2% Cash Back Card, it's better than Citi double cash.

It is my go-to physical card when my other cards are not offering bonuses above 2% Otherwise, I'd just use my AppleCard when ApplePay or contactless payment is available. Would be an instant 5 stars if I could redeem the awards as soon as they're available (got spoiled by CapitalOne) instead of having to wait until it hits the $25 minimum.

Credit Karma said I was pre approved and I was denied with a 787 credit score. Not only that but they did a hard pull on my credit and now my credit score will suffer. Credit Karma shouldn’t advertise that your pre approved and then denied despite excellent credit.

I've had this card your 3-5 years. Never had any problems with it. I also have a high credit limit with it.

I have had this card for many many years. I charge EVERYTHING I buy on it , then pay it off. I just cashed in $ 1500.00 CASH. Not flyer miles that you can't use because of covid 19, not discount coupons on something you can buy at Walmart cheaper anyway, just cold hard cash.

I too wonder about the many negative reviews. I have had nothing but great experiences over the many years I have used this card. I probably get $500 (tax-free) cash back every year on this card. When I dispute a charge, I get the credit immediately. Customer care has been stellar.

I use this card for everything then, pay it off at the end of the month and you can make some serious cash. Citibank has contacted me when they notice suspicious transactions and they have always returned the money and corrected the situation quickly. I would highly recommend this card.