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.

The rates are pretty good especially for balance transfers. They are better than many bank. Citi suffers from a lot of red tape and poor processes. A good product won't get you very far with bad leadership. Customer service can handle straight forward issues but their purview is limited. For more complex matters they fail miserably. There is a lack of integrity and reps will exaggerate or flat out lie to get you out of the chat. Managers don't want to lift a figure and just collect a paycheck. There is gross incompetence from their credit bureau reporting group. Bottomline: rates and terms are good. use to build good credit but don't expect world class service.

I would definitely NOT recommend any Citi credit cards. If you like talking to foreign reps who love to see Americans get railed on their credit card and like seeing them lose on unauthorized charges, then go for it. Worst service ever. Just closed two accounts with City.

I’ll need to give another review once I’ve had the card for a while but my initial experience has not been great. I have excellent credit and was approved for only 4200. The purpose of applying for this card was to take advantage of the the intro 0% APR for balance transfers and this limit just won’t cut it. I called to ask if they could reconsider they would not. More upset about the horrible customer service than the fact they would not raise the limit. Such a waste of a hard inquiry.

Good

Was approved for 4,100.00 I need a 4, 400.00 to cover the bill I wanted to transfer. They would not increase my limit. My score is over 800. What a mess.

Charges from Hong Kong..i reported it. CITI removed them...The very next day they added them back!!! I disputed Again and froze my card. said they would investigate. 3 Months later called and they said they need to reinvestigate. They told me the product were delivered here at my home and that I ordered them!!! therefore i was responsible. So I transfered ALL balance to another card until they could figure it out...And just like that they said my dispute was finished and I would be getting my refund.This took over 3 months!! If I didnt tranfer balane im 100% sure They would not have refunded my money... Fast forward..Today I waas given an alert from my credit monitoring company that they(citi) has put remarks on my credit report!!! So here we go again. If I could give "NO" stars I would

Citi is a joke! I applied for this card and was denied. I called the reconsideration department and they wouldn't budge from their decision. The rep was somewhat cold and robotic. They pull from Equifax. My actual FICO score is 745, income $90k, 16% utilization, no judgments, bankruptcy, or collection items. I'll know more when I get their denial letter. This was a wasted hard pull!

I will never trust credit karma again. why would you suggest and list the card you should apply for to help your credit and then they decline you! Got me once never again

I had very good odds of approval according to CK. Not sure if this is a CK thing or Citi. But I was rejected. Not happy at all about the hard hit. I WOULD HAVE NEVER applied had my odds not been good as I don't need it, just thought it would be nice to transfer a balance.