Overall card rating

3.2
224 Reviews
from Intuit Credit Karma members

Most helpful positive review

Mar 23, 2023
People
Credit Karma Member

Go to the pre approval website quit using credit karma's predictions what is you people's problem lol

Helpful66
Not Helpful21
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Most helpful negative review

Aug 15, 2022
Be Careful!
Credit Karma Member

Before applying for this card make sure you make at least 80,000 income a year. This is a world elite mastercard and therefore must make at least 80,000 dollars regardless of your credit score. If you don't make 80,000 a year DO NOT APPLY!!!! ALL WORLD ELITE MASTERCARDS REQUIRE YOU TO MAKE AT LEAST 80,000 TO GET APPROVED!!!!

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Member ratings

Application process
Customer service

All member reviews (224)

63
16
7
10
128

Sep 17, 2023
Awful
Credit Karma Member

Applied for card-declined, excellent CK odds 8/10/24. Month later received pre-approved offer by mail-NOT APPROVED 9/2/23. 2 Hard Inquiries: Experian &Equifax. Called numerous times; when get a LIVE PERSON still get nowhere. 3 more pre-approved Citi card offers since! Reported to Consumer Financial Protection Bureau & filing a complaint w/ Dept of Treasury Comptroller's Office (has 180pg handbook for banks/CC companies w/ specific soliciting campaign guidelines & regulations to follow. My situation is the definition of bad practices.

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Sep 15, 2023
Very Good Card
Credit Karma Member

This card is great applied for it and approved in 60 second's Great for Balance Transfers very nice to talk to real person and very fast to help me no waiting for Minutes came right on and done with in 5 minutes zero interest for 21 months on Balance Transfers Great Card !!!

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Sep 12, 2023
The ratings of your approval are not legit
Credit Karma Member

It says my chances are excellent with a 720 credit score and still denied in seconds with no reason given.

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Sep 11, 2023
Dumb and possibly deceitful
Credit Karma Member

Reduced my credit limit from $6900 to $750 overnight due to a "recent review". This is supposedly because my balance was too high. Note that I had used close to their maximum and paid every cent back and at the time of the "review" my balance was around $600. Never missed a payment, but somehow they thought I was a risky borrower? There's no question in my mind that the people behind this are incredibly poor in judgement and possibly deceitful. I would advise anyone I care about to STAY AWAY. I am never going back to Citi.

Helpful3
Not Helpful1
Comment1
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Sep 09, 2023
GREAT CARD
Credit Karma Member

I see so many negative reviews. I dont know why. I applied and was INSTANTLY approved. I received a generous 10,000 limit (only 750.00 available as cash advance). However customer service has been very good. I was charged 68.00 for something I didnt purchase and CITI stood behind me and I got my money back. This card is NOT for those with LOW credit scores (CITI BANK doesnt like Low scores) and if you have MISSED payments you will not be approved or any delinquent accounts. A credit score of at least 750 is needed. Mine is above that with all reporting credit bureaus.

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Sep 08, 2023
Do not apply
Credit Karma Member

I have great credit and and make over 80,000 a year and was denied! Do not apply for this card!!!!!!!!!

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Sep 08, 2023
Applied and was approved!
Credit Karma Member

Been really working on my score, got it up to right at 700. Received a pre approved letter in the mail. Gave it a shot, and was approved for 3.6k will look for an increase after a few months of use!

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Sep 03, 2023
Careless mistakes
Credit Karma Member

I submitted my app, got the approval, received my card & when it wouldn’t allow me to register for an online acct I called them. THEY HAD THE LAST 4 OF MY SSN WRRONG!! It’s been three days of trying to gain online access to my account. But it spends just fine.

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Aug 30, 2023
Good for a top spending category
Credit Karma Member

great card, got approved for initial limit of 5,7k. Less than 2 years of credit and about 72k income. I do have cc with other banks and have banking accounts with Citi. after 11m, i asked for credit limit increase and got approved for 10,7k.

Helpful3
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Aug 27, 2023
Great Card
Credit Karma Member

I don't understand the complaints about this card. I usually use it for my grocery purchases and get 5 percent cash back. Can't beat it, and mine came with a $300 bonus.

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