Overall card rating

2.6
327 Reviews
from Intuit Credit Karma members

Most helpful positive review

Apr 04, 2022
Great for balance transfers
Credit Karma Member

If you’re trying to pay off credit card debt, then this card is the best card for you. If you want a rewards card, do NOT get this card. Not only is the intro balance transfer offer for 21 months, each month, you get another 0% balance transfer offer for 10 months on any available balance you have. I have 4 cards with balances, and I have been able to slice the balances in half just by transferring exactly what I can pay off comfortably in 10 months each time. There are absolutely no other benefits outside of the balance transfer offers.

Helpful314
Not Helpful38
Comment3
Flag

Most helpful negative review

Jan 25, 2023
Absolute waste of time and credit hit
Credit Karma Member

I have a 779 credit score with 8% usage and they gave me a $500 credit limit. I have 4 or 5 cards with 10k limits. I was just going to do a balance transfer short term but this is a joke. Credit Karma should be ashamed for using this company.

Helpful249
Not Helpful19
Comment5
Flag


Member ratings

Application process
Customer service

All member reviews (327)

69
29
24
25
180

Sep 12, 2023
junk
Credit Karma Member

was not approved, where's my 50 dollars?

Helpful0
Not Helpful1
Comment0
Flag

Sep 12, 2023
Horrible customer service
Credit Karma Member

The 0% transfer offer is a lie. Balance transfers are made to be impossible. Every representative is out of the country and have accents so thick you can’t anywhere.

Helpful0
Not Helpful0
Comment0
Flag

Sep 09, 2023
3K limit
Credit Karma Member

lame, should have received a lot more pretty useless at 3k

Helpful0
Not Helpful0
Comment0
Flag

Aug 31, 2023
I’d rather have $50 from CK!
Credit Karma Member

Wish I’d seen other reviews before I let my 791 score take a hit. They gave me 3k. Not helpful for transfers and no cash back on this card, so basically a waste in every way. I’d pass on this one.

Helpful8
Not Helpful1
Comment0
Flag

Aug 31, 2023
Bait and switch
Credit Karma Member

Got the card, but the line of credit for me was very low and with the 5% fee to transfer they are not showing they want loyalty from a credit card user. I wanted to transfer most of my debt and still have something left so my credit usage ratio was not high. The low line of credit will make it look like you are maxing your credit and go over the 30%. Shame.

Helpful1
Not Helpful0
Comment0
Flag

Aug 31, 2023
I was approved today!
Credit Karma Member

It was very easy to apply and I got approved for 12K. I almost didn't apply after reading the reviews, but I'm glad I did. Looking forward to using the 21 months of zero interest on my balance transfers.

Helpful8
Not Helpful0
Comment0
Flag

Aug 30, 2023
What a joke!
Credit Karma Member

I have great credit and wanted to use this card for balance transfer. Just like most of you, they gave me a credit limit of $500!!! Seriously!!?!?! What a joke. Credit Karma get rid of this. It’s a waste of peoples time and an unnecessary hit on credit rating!

Helpful9
Not Helpful1
Comment0
Flag

Aug 30, 2023
Changed the Rules.
Credit Karma Member

I would only use this card because you could get a 7% loan based on your availible credit. It was a excellent feature. They got rid of it and want you to get a expensive transfer balance. I can get that anywhere. I closed the account.

Helpful1
Not Helpful0
Comment0
Flag

Aug 29, 2023
CBNO
Credit Karma Member

Start you with low rate and then stick you with rate of 17 1/2 %. I have a fico of 840 and without knowing it they were charging me outrageous rates. Stay away from Citibank cards.

Helpful2
Not Helpful2
Comment0
Flag

Aug 26, 2023
Great Card with 21 months interest free.
Credit Karma Member

I got this card for a balance transfer to not having to pay interest. I applied and was instantly approved for 10k. I have another card of theirs for about 2 years with never a issue at all. Highly recommend.

Helpful10
Not Helpful4
Comment0
Flag

1-10 of 327

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.