Overall card rating

3.7
1042 Reviews
from Intuit Credit Karma members

Most helpful positive review

Jan 24, 2022
Great card 2% on everything!
Credit Karma Member

I have had this card for a couple of years and it is my main card. I have earned over $3,000 cash back. Since I pay off my card each month, it's free money. I don't have to worry about spending categories or doing anything, the rewards are done automatically.

Helpful52
Not Helpful12
Comment0
Flag

Most helpful negative review

Jul 26, 2022
Waste if credit running
Credit Karma Member

I have a 740 credit score. No debt. No late payments. And they denied me. Credit went down 15 pts for applying. Don’t waste your time or credit points! They are a total waste and a joke!

Helpful92
Not Helpful16
Comment4
Flag


Member ratings

Application process
Customer service

All member reviews (1042)

453
111
56
41
381

May 24, 2023
Waste of time
Credit Karma Member

Don’t waste your time filling out for this card 800 credit score numerous cards with high limits with no balance on them I never float a balance. Just paid 60k off my low mortgage have 140k in my bank but you guessed it I don’t qualify

Helpful0
Not Helpful0
Comment0
Flag

May 22, 2023
Don't apply
Credit Karma Member

Said i was "excellent ", and they denied me. Never late on any of my payment. Don't apply!!!

Helpful0
Not Helpful0
Comment0
Flag

May 19, 2023
Stay away from Citi
Credit Karma Member

Citibank is the worst bank ever. They will not give you the points and then you call them and they make some excuses. They are the worst

Helpful1
Not Helpful0
Comment0
Flag

May 13, 2023
It’s a lie
Credit Karma Member

Horrible approval rate. Stop playing with our credit scores CK! Some people work really hard to improve it!

Helpful8
Not Helpful0
Comment0
Flag

May 10, 2023
Don't do it!!!
Credit Karma Member

I applied approved wasn't a problem but won't approved you the full amount of the balance on your previous card. So I'd wouldn't call it a balance transfer. I'd call it an (( whatever they give you transfer card )) Don't apply for this card it will take points away from your credit score for nothing at all.

Helpful10
Not Helpful1
Comment0
Flag

Apr 25, 2023
Horrible Customer Service
Credit Karma Member

Applied for the card and was approved immediately. Card was mailed to me in a reasonable time frame. The problem started 2 days ago when i planned on using it on vacation. I put in a travel advisory 3 days prior to me goin on vacation as a “heads up”. Well here I am all the way in a different time zone and they can’t verify my account. They said they will send a letter to my address so i am able to verify. No thanks, i will be canceling the card AND removing my personal account from Citibank because this is wayyyy past ridiculous. I answered all security questions and still no access. Beware ppl.

Helpful15
Not Helpful1
Comment2
Flag

Apr 22, 2023
WORST EVER !!!! STAY AWAY !!!
Credit Karma Member

I pay on time and make extra/multiple payments. But they keep lowering my credit limit on monthly basis now which causes my score to drop !!! It's ridiculous! And they are the ONLY joke of a "company" that does that! Can't wait to pay off my credit card and I'll NEVER EVER use em again!!!!

Helpful9
Not Helpful0
Comment0
Flag

Apr 01, 2023
Terrible. RUN.
Credit Karma Member

So accounting, let's talk about this. I paid my account a check took it's sweet time going through mail so I wrote another. I was charged over 8k on citi's side after writing the check on a 2 k ballance and my max on the card was 4k. Somehow they even charged me a late fee. I've never once had a late payment. My credit is through the crapper thanks to this card and crap cust service. 780 to 600 something... I'm canceling my card after they cashed a check then magically never received it. I had the card for a year. Everything was fine till I added a second account and as of recent. This entire year 2023; has been filled w only their accounting issues and none of the cust service pple really help. It took me three months to clear that 8k triple charge.

Helpful11
Not Helpful2
Comment0
Flag

Mar 30, 2023
Unknown
Credit Karma Member

I was not done with filling everything out and making sure it was correct. Scrolled up on my phone, and it submitted the application. Tried to contact them to fix my information, and cannot get through to nobody now showing a hard inquiry on my credit for no reason.

Helpful15
Not Helpful2
Comment0
Flag

Mar 23, 2023
Garbage
Credit Karma Member

Horrible approval rate don't waste your inquiry

Helpful14
Not Helpful3
Comment0
Flag

1-10 of 1042

See Approval Odds before you apply

We’ll estimate your chances of approval based on your credit profile. Join today — it’s free! You’ll also get:

Sign up
  • Credit scores and reports
  • Credit monitoring
  • Personalized recommendations

These ratings and reviews are provided by our users. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it.

†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.