Citi Credit Card Reviews

The Citibank annual fee is $0 to $450, depending on the card offer. For example, the Citi® Double Cash Card – 18 month BT offer has a $0 annual fee, while the Citi® / AAdvantage® Executive World Elite Mastercard® has a $450 annual fee. For comparison, the average credit card annual fee on the market is $21.65 right now.

Citibank Annual Fees

• Citi® Double Cash Card – 18 month BT offer: $0
• Citi® Diamond Preferred® Card: $0
• Citi® Secured Mastercard®: $0
• Citi Rewards+® Card: $0
• Costco Anywhere Visa® Card by Citi: $0
• Office Depot Credit Card: $0

The easiest Citi card to get is the Citi® Secured Mastercard®. This is the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit, but has a $0 annual fee. It also helps you build credit history with monthly reporting to all three major credit bureaus (TransUnion, Equifax, and Experian).

Other things to know about the Citi credit cards:

Aside from the Citi Secured, nearly all other Citi credit cards require good credit or better (a credit score of 700+) for good odds of approval. Some of these cards include the Citi® Double Cash Card – 18 month BT offer and the Citi Premier® Card.

However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. 

What to know before getting a Citi credit card:

The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. Also, with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there's 0% interest as long as the balance gets paid in full by the end of the promotion. If it's not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card's regular APR.

It may also be beneficial to look outside of Citibank to some of the easiest cards to get from other issuers. Aside from lenient approval requirements, some of these also offer rewards and have no annual fees. Also, they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit. You'll then have future access to some of the best Citi credit cards, or other excellent options from different issuers.

To log in to your Citibank credit card account, go to the login page on the Citibank website or mobile app and enter your username and password in the appropriate fields. Then, click the “Sign On” to access your online account. If you don't already have an account, you will need to start by clicking “Register for Online Access” in order to set up a username and password.

How to Log in to a Citibank Credit Card Account

1. Register your Citibank credit card for online account access. Click “Register for Online Access” and enter your card number, birthdate and the last 4 digits of your Social Security number or Tax ID number to verify your credit card account.
2. Choose your Citibank username and password. The username must be between 5 and 50 characters, including special characters, and no spaces. The password must contain from 6 to 50 characters and have at least one letter and one number, different from your password, and no more than two consecutive identical characters. The password is not case sensitive and may contain special characters.
3. Log in with your new Citibank credentials. From the login page on the Citibank website or mobile app, fill out the User ID and Password fields using your new credentials, then click “Sign On” to access your account.

After you have signed up and logged in, you'll be able to manage your Citibank credit card account online. You can pay your credit card bill, see credit card statements, monitor account activity, and change account information such as passwords and automatic payments.

If you forget your login information, click “Forgot Password?” on the Citibank login page. Then, just follow the prompts to reset or retrieve your username or password.

You can reach the Citibank credit card customer service by:

• Accessing their website or the Citi Mobile App and sending them a message.
• Calling them at (800) 950-5114.
• Visiting your local Citibank branch.
• Writing them a mail at the following address:
  Citibank Customer Service
  P.O. Box 6500
  Sioux Falls, SD 57117

If you opt to chat with them online, expect to experience higher than normal wait times.

You can have as many Citi cards as you want, as long as your credit and income are good enough to get approved for each. And considering how many good Citi cards there are, for a range of different needs, it's no wonder people would want more than one. For example, you could use Citi ThankYou Premier to save on travel, Citi Diamond Preferred for 0% purchases and Citi Double Cash for everyday cash back. But you should be smart about your applications. You don't want to bite off more than you can chew and begin missing payments. That would be very bad for your credit score. Even just having a lot of hard inquiries on your credit report in a short time will hurt your credit. And you don't want to get rejected either. 

Here's how many Citi credit cards you can have:

• You can have an unlimited number of Citi cards, as long as you're approved for each one.
• You're allowed to have more than one of any Citi card.
• Rumor has it you need to wait at least 8 days between applications for any two Citi credit cards in order to be approved for the second. And you supposedly have to wait at least another 66 days before applying for a third. But Citi Customer Service says they have no information on such a rule.
• Each additional Citi card you apply for will become slightly harder to get, as your income will need to support more potential spending. Having lots of income and excellent credit will help your odds.
• If you want to get as many Citi cards as possible, your best bet is to apply for one a year. A hard inquiry from a credit card application only can hurt your credit for 12 months. 

If you're not approved for a card, that's not necessarily the end of the line for you. There's something called “reconsideration,” where you call customer service and ask them to take a second look at your application. If you have a bunch of Citi cards already, Citi might be willing to reduce the credit on some of them and give it back to you on a new card.