Overall card rating

3.2
149 Reviews
from Credit Karma members

Most helpful positive review

Jun 17, 2021
Approved after verification
Credit Karma Member

Applied for card, CK said fair chance. Other sites said excellent odds. Approved for $9,900. Fico 9 score of 770.

Helpful321
Not Helpful80
Comment11
Flag

Most helpful negative review

Jun 29, 2021
CK said very good odds but denied
Credit Karma Member

I have several open cards with no balances. I only owe on my house and car and wanted another card to help build my credit further. I have fair/good credit and was given "very good" odds by CK. I applied and was denied...... Thanks for the hard inquiry for nothing CK.

Helpful611
Not Helpful348
Comment22
Flag


Member ratings

Application process
Customer service

All member reviews (149)

44
13
3
7
82

Mar 17, 2023
Stay Away
Credit Karma Member

Best to just STAY AWAY FROM From citi

Helpful0
Not Helpful0
Comment0
Flag

Feb 27, 2023
CK needs to work on there accuracy on there score
Credit Karma Member

CK needs to work on there accuracy on there score ratings ! is that so much to ask to keep up and give the right scores ? so many rely on accuracy to there credit report. Don't say they have a very good chance or in my case a excellent chance when clearly that is NOT the case ! you like transparency honesty right lets report the right info.

Helpful5
Not Helpful1
Comment0
Flag

Feb 20, 2023
Denied with guarantee
Credit Karma Member

Have 770 FICO with 3+ yr card history multiple cards and got denied.

Helpful6
Not Helpful1
Comment0
Flag

Feb 19, 2023
The worst
Credit Karma Member

I applied with good chance of approval with excellent credit scores and be denied.

Helpful6
Not Helpful2
Comment0
Flag

Feb 16, 2023
Trashhh
Credit Karma Member

I agree with the people

Helpful5
Not Helpful2
Comment0
Flag

Feb 08, 2023
Was good until...
Credit Karma Member

They closed my account after 5 months. Used and paid several thousand every month. Cancelled without explanation or remedy. Only P.O. box in SD to send a letter to find out the reason. Left with a low balance and no reward points. They say I can reapply which includes another hard inquiry. No thank you. I am forced to advise anyone reading this to skip this card.

Helpful26
Not Helpful0
Comment0
Flag

Feb 07, 2023
Do not apply!
Credit Karma Member

Awful Costumer Service. Do not apply in general and do not apply if you are not a US Citizen or permanent resident. They will run your credit report but deny your application.

Helpful16
Not Helpful2
Comment0
Flag

Feb 03, 2023
Ridiculous
Credit Karma Member

This card just decided to lower my credit limit from $3100 to $300. I have been in excellent standing with this card but because they decided to check my overall credit score again - as it was lowered due to financial emergencies - they lowered it. I have kept low balances on this card and have paid it off in full every time. They are ridiculous and its unfair. Do not recommend this card. They will take it upon themselves to lower your credit line whenever they want even if you're in good standing. Stay away.

Helpful24
Not Helpful5
Comment1
Flag

Feb 02, 2023
Worst customer service ever
Credit Karma Member

I requested a refund on a service that I have never received. They sent me an important letter in the app which the app never notified me. couple of weeks passed by and they said they couldn’t dispute the charge anymore. Worst customer service ever. Will never use any card from Citi anymore

Helpful14
Not Helpful1
Comment0
Flag

Jan 24, 2023
Approval odds: Good = Denied LOL
Credit Karma Member

Dont apply

Helpful16
Not Helpful3
Comment0
Flag

1-10 of 149

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. 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.