Overall card rating

3.5
130 Reviews
from Credit Karma members

Most helpful positive review

Aug 13, 2021
My first CITI card!
Credit Karma Member

My chance of approval is poor, I got instantly approved for $7600 limit, my EU 748, Equifax 746 and Experian 721. I have 2 bank of america cards, they are very generous, 1 with $13K limit, the other is $9800 limit.

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Most helpful negative review

May 15, 2022
Garbage
Credit Karma Member

Horrible customer service and communication. I refinanced my home for 1.2 million and zeroed out my balance, was never late for a payment in 12 years and have an 800 plus credit score. They reduced my credit limit to 500 dollars with a mid-six figure income. Their sky miles are useless, unless you want to overpay by 3x normal rates. Not worth it, you are better off finding a card with true benefits. Not upset, just moving on as you should.

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Member ratings

Application process
Customer service

All member reviews (130)

53
29
9
7
31

Mar 20, 2023
Worst Customer Service
Credit Karma Member

I rarely apply for credit cards. I applied for this specific card for the American Airline rewards. I was approved instantly and received an email stating I would be receiving my card in 5-7 business days. 22 business days later? Still no card. Over several days, I spoke to 4 different customer service representatives. Same question. "Where is my card?" I got 4 different answers. 7 business days go by after that, no card. After 30 business days, I received the card because they finally agreed to send a "new" one. I demanded express delivery. They came through. The funny thing is is that they told me twice they would send one out with express delivery. Never did receive the first two. Now I tried to set up an online account. "information does not match our records." I tried with the CITI App, I tried on their website. Same error message. Worst experience EVER.

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Feb 14, 2023
No problems
Credit Karma Member

I’ve been a Citibank customer since my first savings account in 1989. I’ve Always had good customer service from Citibank, and this card is no exception. First free checked bag has saved me a lot of money. Well worth it, in my opinion.

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Jan 14, 2023
Citi Advantage
Credit Karma Member

Approved with $14,000 limit. Text alert from Citi card was returned. Correct address on file. Reissued another card. Again, card returned to citi. Called customer service and they told me they could not verify me. WHAT? forget it, close the request. This is even with me having another Citi bank credit card. Why is this so complicated? Closed both accounts.

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Jan 07, 2023
Credit Offer
Credit Karma Member

I received credit offer thru credit karma , I applied and was denied ... insane credit karma

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Oct 22, 2022
Approval odds were Fair
Credit Karma Member

Was approved for $5,000 been wanting an airline card for a while now perfect for vacationing.

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Sep 09, 2022
High Starting Limit
Credit Karma Member

749 TU, 767 EQ, 739 Exp. Approved for 13.1K limit.

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Aug 30, 2022
Nickel and Dimed
Credit Karma Member

AA will refuse to give you free checked bags on a whim. I booked a flight on AA. One leg was operated by JetBlue, a partner airline. Because of this, I didn’t get one of the main benefits of the card: free checked bags. This stuck me with $140 of fees. Citi and AA were useless on this. Too much fine print to use your benefits.

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May 19, 2022
Best of the best.
Credit Karma Member

I paid for 2 trips and my 3rd one was free with Miles. Best domestic travel credit card ever.

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May 15, 2022
Garbage
Credit Karma Member

Horrible customer service and communication. I refinanced my home for 1.2 million and zeroed out my balance, was never late for a payment in 12 years and have an 800 plus credit score. They reduced my credit limit to 500 dollars with a mid-six figure income. Their sky miles are useless, unless you want to overpay by 3x normal rates. Not worth it, you are better off finding a card with true benefits. Not upset, just moving on as you should.

Helpful32
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Apr 18, 2022
Traveling
Credit Karma Member

This company has poor customer service. If I could go back and use a different service I would

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1-10 of 130

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