Citi Credit Card Reviews

30,568 Reviews

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Citi credit cards, also known as Citicards, are credit cards issued by the financial services giant Citibank. Citicards are known for offering attractive rewards and lengthy 0% APR promotions to people with above-average credit. But Citi (a WalletHub partner) also issues a range of store credit cards and a secured credit card that people with lower credit scores can get approved for.

Citi Credit Cards with Great Reviews

5/5 editor's rating:
Citi Double Cash® Card
4.5/5 editor's rating:
Costco Anywhere Visa® Card by Citi
4/5 editor's rating:
Citi Strata Premier® Card
3.6/5 editor's rating:
Citi® Diamond Preferred® Card
3/5 editor's rating:
Best Buy® Store Card
3/5 editor's rating:
American Airlines AAdvantage® MileUp®

Rates & Fees 5/5 editor's rating:
Citi Double Cash® Card
Citi Double Cash® Card
Learn MoreLearn Moreon issuer's website
Rates & Fees 5/5 editor's rating:
Citi Double Cash® Card
Citi Double Cash® Card
Learn MoreLearn Moreon issuer's website
5/5 editor's rating:
Citi Double Cash® Card
Citi Double Cash® Card
Learn MoreLearn More
Rates & Fees 4.5/5 editor's rating:
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
Learn MoreLearn Moreon issuer's website
Rates & Fees 4.5/5 editor's rating:
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
Learn MoreLearn Moreon issuer's website
4.5/5 editor's rating:
Costco Anywhere Visa® Card by Citi
Costco Anywhere Visa® Card by Citi
Learn MoreLearn More
Rates & Fees 4/5 editor's rating:
Citi Strata Premier® Card
Citi Strata Premier® Card
Learn MoreLearn Moreon issuer's website
Rates & Fees 4/5 editor's rating:
Citi Strata Premier® Card
Citi Strata Premier® Card
Learn MoreLearn Moreon issuer's website
4/5 editor's rating:
Citi Strata Premier® Card
Citi Strata Premier® Card
Learn MoreLearn More
Rates & Fees 3.6/5 editor's rating:
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Learn MoreLearn Moreon issuer's website
Rates & Fees 3.6/5 editor's rating:
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Learn MoreLearn Moreon issuer's website
3.6/5 editor's rating:
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Learn MoreLearn More
3/5 editor's rating:
Best Buy® Store Card
Best Buy® Store Card
Learn MoreLearn More
3/5 editor's rating:
Best Buy® Store Card
Best Buy® Store Card
Learn MoreLearn Moreon issuer's website
3/5 editor's rating:
Best Buy® Store Card
Best Buy® Store Card
Learn MoreLearn More
3/5 editor's rating:
American Airlines AAdvantage® MileUp®
American Airlines AAdvantage® MileUp®
Learn MoreLearn More
3/5 editor's rating:
American Airlines AAdvantage® MileUp®
American Airlines AAdvantage® MileUp®
Learn MoreLearn Moreon issuer's website
3/5 editor's rating:
American Airlines AAdvantage® MileUp®
American Airlines AAdvantage® MileUp®
Learn MoreLearn More

5/5 editor's rating:
Citi Double Cash® Card
4.5/5 editor's rating:
Costco Anywhere Visa® Card by Citi
4/5 editor's rating:
Citi Strata Premier® Card
3.6/5 editor's rating:
Citi® Diamond Preferred® Card
3/5 editor's rating:
Best Buy® Store Card
3/5 editor's rating:
American Airlines AAdvantage® MileUp®

Below, you can compare the latest Citi credit card offers, read customer reviews and more. For additional insights, check out our editors’ picks for the best Citibank credit cards right now.

Citi Credit Cards

Citi Strata Elite℠ Card

3.4 out of 5 rating5 Reviews

Apply Now

Rates & Fees

3.4 out of 5 rating5 Reviews

2.8WalletHub Rating

WalletHub Rating

2.8

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.0

Market Comparison

2.8

fees: 1.3

rewards: 3.9

cost: 2.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR20.74% - 28.74% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

20.74% - 28.74% (V)

annual fee

$595

rewards rate

1.5 - 12 points / $1

Bonus Offer

100,000 points

Bonus Offer

100,000 points

minimum credit

Good

WalletHub's Take: The Citi Strata Elite℠ Card is a good credit card for big-spenders with good or excellent credit who like to travel and don’t mind booking accommodations through Citi Travel. It’s worth the $595 annual fee if you earn the card’s 100,000-point initial bonus, use its $300 annual hotel credit, and pay your bill in full every month. Citi Strata Elite has good rewards, but the ongoing earning rates are no match for the card’s high APR.

Pros

High rewards rate
100,000 points initial rewards bonus
No foreign fee

Cons

High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit

Rewards Details

For a limited time, earn 100,000 bonus Points after spending $6,000 in the first 3 months of account opening.
Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
Earn 1.5 Points per $1 spent on All Other Purchases
Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.

Additional Info

No Foreign Transaction Fees

Pros, Cons, & Details

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Citi Strata℠ Card

4 out of 5 rating3 Reviews

Apply Now

Rates & Fees

4 out of 5 rating3 Reviews

4.5WalletHub Rating

WalletHub Rating

4.5

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Finance New Purchases." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.5

Market Comparison

4.5

fees: 4.0

rewards: 5.0

cost: 5.0

APR: 3.8

Purchase Intro APR0% for 15 months

Transfer Intro APR0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR18.74% - 28.74% (V)

Purchase Intro APR

0% for 15 months

Transfer Intro APR

0% for 15 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR

18.74% - 28.74% (V)

annual fee

rewards rate

1 - 5 points / $1

Bonus Offer

30,000 points

Bonus Offer

30,000 points

minimum credit

Good

WalletHub's Take: The Citi Strata℠ Card is a good credit card to apply for if you have good credit or better and you want to save on groceries, gas/EV charging, transit, and purchases in a category of your choice. Plus, there’s no annual fee, and you can save big with an initial bonus and a 0% introductory APR. So, the Strata Card is definitely worth considering.

Pros

No membership fees
0% intro APR on purchases
0% intro APR on balance transfers
High rewards rate

Cons

Balance transfer fee
High regular APR
Requires good/excellent credit

Rewards Details

For a limited time, earn 30,000 bonus Points after spending $1,000 in the first 3 months of account opening.
Earn 3 ThankYou® Points for each $1 spent in an eligible Self-Select Category of your choice (Fitness Clubs, Select Streaming Services, Live Entertainment, Cosmetic Stores/Barber Shops/Hair Salons, or Pet Supply Stores). Choose your eligible Self-Select Category on Citi Online or by calling customer service. The default Self-Select Category is Select Streaming Services.
Earn 5 ThankYou® Points for each $1 spent on Hotels, Car Rentals and Attractions booked on Citi Travel® via cititravel.com; earn 3 ThankYou Points for each $1 spent at Supermarkets, on Select Transit purchases, and at Gas & EV Charging Stations.
Earn 2 ThankYou® Points for each $1 spent at Restaurants; earn 1 ThankYou® Point for each $1 spent on All Other Purchases.

Additional Info

0% Intro APR on balance transfers and purchases for 15 months; after that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
No Annual Fee

Pros, Cons, & Details

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Citi® Diamond Preferred® Card

3.65 out of 5 rating1,563 Reviews

Apply Now

Rates & Fees

3.65 out of 5 rating1,563 Reviews

4.0WalletHub Rating

WalletHub Rating

4.0

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

3.6

User Reviews

3.6

Market Comparison

4.1

fees: 5.0

cost: 3.3

APR: 5.0

Purchase Intro APR0% for 12 months

Transfer Intro APR0% for 21 months|Transfer Fee: 5% (min $5)

Regular APR16.74% - 27.49% (V)

Purchase Intro APR

0% for 12 months

Transfer Intro APR

0% for 21 months|Transfer Fee: 5% (min $5)

Regular APR

16.74% - 27.49% (V)

annual fee

rewards rate

None

minimum credit

Good

WalletHub's Take: The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The card also has a $0 annual fee and a balance transfer fee of 5% (min $5).

Pros

0% intro APR for 12 months on purchases
0% intro APR for 21 months on balance transfers
$0 annual fee

Cons

5% (min $5) balance transfer fee
Foreign transaction fee
High regular APR
No rewards

Additional Info

0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.74% - 27.49%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
Get free access to your FICO® Score online.
With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.

Pros, Cons, & Details

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Citi Double Cash® Card

3.49 out of 5 rating2,241 Reviews

Apply Now

Rates & Fees

3.49 out of 5 rating2,241 Reviews

4.4WalletHub Rating

WalletHub Rating

4.4

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Lower Cost of Existing Debt." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

5.0

User Reviews

3.4

Market Comparison

4.4

fees: 5.0

cost: 4.3

APR: 4.4

Purchase Intro APRNot Offered

Transfer Intro APR0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR17.74% - 27.74% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

0% for 18 months|Transfer Fee: 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer

Regular APR

17.74% - 27.74% (V)

annual fee

rewards rate

2 - 5% Cash Back

Bonus Offer

$200

Bonus Offer

$200

minimum credit

Good

WalletHub's Take: Citi Double Cash is one of the best everyday credit cards available right now, combining low costs and very good cash-back rewards to create a lot of savings for people with good credit or better. Most importantly, Double Cash has a $0 annual fee and gives a total of 2% back on all purchases. It's nearly twice as rewarding as the average cash rewards credit card as a result.

Pros

Offers 2% cash back on all purchases
$0 annual fee
$200 initial rewards bonus
Low intro APR on balance transfers

Cons

3% foreign transaction fee
High regular APR

Rewards Details

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.

Additional Info

Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 17.74% - 27.74%, based on your creditworthiness.
Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

Pros, Cons, & Details

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Costco Anywhere Visa® Card by Citi

3.64 out of 5 rating1,060 Reviews

Apply Now

Rates & Fees

3.64 out of 5 rating1,060 Reviews

3.6WalletHub Rating

WalletHub Rating

3.6

This card has been scored using WalletHub’s proprietary credit card rating system. We evaluated this card for various cardholder needs and picked the rating for the need with the highest score, which is "Earn Gas Rewards." A score of 5 is the best a card can receive, and the rating for the card may vary on different pages where it is compared to other cards for different needs.

Editor’s Rating

4.5

User Reviews

3.6

Market Comparison

3.5

fees: 5.0

rewards: 3.0

cost: 3.6

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR18.99% - 26.99% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

18.99% - 26.99% (V)

annual fee

rewards rate

1 - 5% Cash Back

minimum credit

Excellent

WalletHub's Take: The Costco Credit Card is a good option for Costco members with excellent credit who spend a lot on gas, travel and dining, in addition to Costco purchases. The card offers bonus cash back in those spending categories, and it's easily worthwhile, thanks to a $0 annual fee. Costco membership will run you at least $65 per year, though.

Pros

$0 Annual Fee
High Rewards Rate
No Foreign Transaction Fees

Cons

No Initial Rewards Bonus
In-Store Rewards Redemption Only
High Regular APR

Rewards Details

Discover one of Citi’s best cash back rewards cards designed exclusively for Costco members
Earn 5% cash back rewards on gas at Costco and earn 4% cash back on other eligible gas and electric vehicle (EV) charging purchases for the first $7,000 combined spend per year, and then 1% thereafter.
3% cash back on restaurants and eligible travel purchases and eligible travel, including Costco Travel.
2% cash back on all other purchases from Costco and Costco.com
1% cash back on all other purchases
Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico

Additional Info

*No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases

Pros, Cons, & Details

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Citi Strata Premier® Card

3.91 out of 5 rating457 Reviews

Apply Now

Rates & Fees

3.91 out of 5 rating457 Reviews

4.0WalletHub Rating

WalletHub Rating

4.0

Editor’s Rating

4.6

User Reviews

3.9

Market Comparison

4.0

fees: 2.9

rewards: 3.8

cost: 4.7

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.74% - 27.74% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.74% - 27.74% (V)

annual fee

$95

rewards rate

1 - 10 points / $1

Bonus Offer

60,000 points

Bonus Offer

60,000 points

minimum credit

Good

WalletHub's Take: The Citi Strata Premier® Card is a good credit card to apply for if you have good credit or better and you want to earn lots of bonus points. You can get an initial bonus worth up to $600 and bonus points on airfare, hotels, gas, restaurants, and supermarkets, making the card easily worth the $95 annual fee.

Pros

60,000 points initial bonus
High rewards rate
No foreign-transaction fees

Cons

$95 annual fee
No 0% intro rates
High regular APR

Rewards Details

Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
Earn 1 Point per $1 spent on all other purchases
$100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
No expiration and no limit to the amount of points you can earn with this card

Additional Info

No Foreign Transaction Fees on purchases

Pros, Cons, & Details

Compare

Citi® / AAdvantage® Executive World Elite Mastercard®

3.94 out of 5 rating222 Reviews

Apply Now

Rates & Fees

3.94 out of 5 rating222 Reviews

2.3WalletHub Rating

WalletHub Rating

2.3

Editor’s Rating

2.0

User Reviews

3.9

Market Comparison

2.2

fees: 1.3

rewards: 1.3

cost: 3.3

Other Features: 0.0

Purchase Intro APRNot Offered

Transfer Intro APRNot Offered

Regular APR19.74% - 29.74% (V)

Purchase Intro APR

Not Offered

Transfer Intro APR

Not Offered

Regular APR

19.74% - 29.74% (V)

annual fee

$595

rewards rate

1 mile / $1

Bonus Offer

70,000 miles

Bonus Offer

70,000 miles

minimum credit

Good

WalletHub's Take: The Citi® / AAdvantage® Executive World Elite Mastercard® is worth considering if you are a frequent American Airlines flyer with good credit or better who spends a lot of time in airports. The card’s best feature is an Admiral’s Club airport lounge membership that would otherwise cost at least $750 per year. But that perk is far from free.

Pros

High rewards rate
70,000 miles initial rewards bonus
No foreign fee

Cons

High membership fees
No intro APR on purchases
No intro APR on balance transfers
Requires good/excellent credit

Rewards Details

Earn 70,000 American Airlines AAdvantage® bonus miles after spending $7,000 within the first 3 months of account opening.
Admirals Club® membership for you and access for up to two guests or immediate family members traveling with you
Earn 1 Loyalty Point for every 1 eligible AAdvantage® mile earned from purchases
First checked bag is free on domestic American Airlines itineraries for you and up to 8 companions traveling with you on the same reservation

Additional Info

No Foreign Transaction Fees on purchases

Pros, Cons, & Details

Compare

Citibank Credit Card Reviews

3.6

What's Your Rating?

Bob Nelson
November 25, 2025 • @sparrowshope_bn

Do business for some time, always pay on time with the same payment source, and they put a hold on my credit. Never late and always on time. Bad business. Can put a small business in a bind, and they literally don't care.

Product: Home Depot® Credit Card

Comment

Duane Hughes
November 23, 2025 • @duaneh2

Never apply for a Home Depot credit card. I don't know who did, but I tried calling to straighten it out, and nobody ever returned my calls. I'm not happy with them; it was terrible and decreased my credit score, and I don't know what to do.

Product: Citibank Credit Cards

Comment

schmatd
November 22, 2025 • @schmatd

Totally incompetent credit card management. I have an HD cc, and when doing a simple email address change, ALL personal information must be entered. The problem is they do not provide enough space for more than 11 characters in a person's last name. So, updating my account resulted in a new card being issued with one letter missing in my name. Then, I started receiving offers from other CC companies missing the last letter as well. I spoke to several customer service representatives, and nothing was fixed on the website. I finally filed a CFPB complaint, with Home Depot once again not fixing the root cause, only my account. So, if I ever need to change information, the same thing will happen.

I even received an individual email from some HD executive office explaining their resolution. What a joke. In my opinion, the whole HD credit card company is beyond incompetent.

Product: Home Depot® Credit Card

Comment

cpatrick_jonesboro
November 21, 2025 • @cpatrick_jonesboro

Citi Bank's Credit Card department is terrible. After having a department credit card for several years, one with multiple complete payments and some special finance payment plans, Citi Bank closed my account. I had no significant credit changes, late payments, and actually had an increase in income. During this process, as the amount on the card was under special financing, Citi Bank changed my interest rate and the terms of the special finance deal. After spending many days and several hours on hold, I was told that Citi Bank does not have accurate information on my account to discuss any specifics regarding the change or closure. Even through escalations, no answers were provided. I can only assume they needed to reduce the credit offered as their financial standing has changed. Their representatives were unable to give me any information regarding my account beyond a few months. The entire process seems a little unorganized. I will be cancelling all Citi Bank accounts and credit services. Please consider the quality of their customer service when shopping for credit services.

Product: Citibank Credit Cards

Comment

Jonathan Kirkland
November 20, 2025 • @jonathan2000

Verified Customer

I have great credit according to most of my banks, and I make great money, in my opinion, compared to other people who work for a living. I have a really cheap house payment and tons of credit cards, most of which are under 50% utilization. Sam's Club offered me $5,000 the same week that I accepted an offer from Citibank, assuming it would be for a comparable limit to my other cards, like $5,000 or $6,000. But no, they offered a $500 card. What person who has cards up to $9,100 limits is going to want a $500 credit limit? If you use it at all to carry a balance, it lowers your score a significant amount (24-point drop), what a joke.

I planned to take advantage of the balance transfers at zero percent interest for 21 months, and then I found out the limit at the end. Who transfers a balance from any card with all that hassle for less than $500? I will probably close this card immediately after I am done writing this review. I may give them one chance to fix it since the whole reason I got the card was to transfer a $3,800 balance from a card that just raised their interest rate and changed the terms on purchases to unacceptable terms.

I have learned about the cards that charge you from the date of purchase instead of from the time it appears on a statement. You have to read the terms, as they are not all created equal, and if you have poor credit, Capital One is the only bank worth dealing with. Take the secured card, use it to fill your gas tank once per month, and set it on auto-pay, and in 6 months, your credit score will increase by at least 50 points. I have a 705; it was 729 when I applied for this card, and my debt-to-income ratio is excellent. They are making a Cra cra

Product: Citi Simplicity® Card

Comment

jeff es
November 20, 2025 • @gof4st

Like others have said, they have the worst customer service. Good luck trying to talk to anyone; and if you do, they won't be able to do anything.

Product: Citibank Credit Cards

Comment

jacekgusciora
November 20, 2025 • @jacekgusciora

I genuinely hope someone with real influence at Citi takes a hard look at the unacceptable customer service culture that has developed here. When customers are paying annual fees as high as $695, the bare minimum should be professionalism, empathy, and a friendly, humble approach. Instead, the experience feels dismissive and indifferent, as if Citi assumes customers won't leave no matter how they're treated. That mindset is a major mistake. I hope this review reaches someone who can make meaningful changes, because the current state of service is far below what any cardholder should expect.

Product: Citibank Credit Cards

Comment

general_3
November 17, 2025 • @general_3

The Home Depot Credit Card is very useful due to the 12-month or 24-month deferred interest rate. However, dealing with the CitiBank system is a veritable nightmare. I used to be able to call up and talk to a live person prior to a large purchase to obtain a 24-month promotional rate. That is no longer possible. I was forced to have a Home Depot Associate call CitiBank using Home Depot's secret telephone numbers to reach a live person. Then, I was able to get my 24-month promotion. Later, when I called HD Credit customer service's general number to increase my credit limit, the CitiBank phone system rerouted me to the CitiBank HD website to search for a non-existent "Increase Credit Limit" link. I was unable to talk to a live person until after arguing with the AI running the CitiBank phone system, when I was finally connected to a live person.

Are the Home Depot executives paying any attention to CitiBank's poor customer service? How many customers have abandoned Home Depot and gone elsewhere due to the difficulty in dealing with these issues?

Product: Home Depot® Credit Card

Comment

Jonathan Manson
November 17, 2025 • @jonathanmanson997

Verified Customer

Forever for balance transfers, opening, 21 days? So why really bother with this card when there are such excessive delays? No US service, all in the Philippines as well, so not preferred.

Product: Citi® Diamond Preferred® Card

Comment

sguz0425
November 16, 2025 • @sguz0425

I applied for and received this card and have had it for about three months. It is by far the worst credit card I have ever had. I have a credit score of right around 800 and a seven-figure income. In truth, I only got this card because I am traveling a lot on American Airlines and figured I could use it to get perks. When I received my first statement, I paid it off in full electronically. I looked at the app, which showed a zero balance, and I confirmed with my banking app that it had been paid. The next time I went to use the card it was declined for insufficient funds. When I called them, they said they had put a hold on my card because I made a large payment and it was held for over 8 days. I let it go and waited the 8 days. The next time I looked at my statement, I again paid off the entire balance electronically, and the same thing happened. I called in once more and was told the same story. Finally, the third time it happened, I called in and was told the same thing. I think they want you to make minimum payments so they can charge the high-interest rate, so I told them to cancel it and will be flying with other airlines to the same destinations. I advise staying away from this card.

Product: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Comment

Review Citi Credit Card Reviews

Citi Credit Cards Review FAQ

Get answers to your questions about Citi Credit Card Reviews below. Editorial and user-generated content is not provided, reviewed or endorsed by this issuer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.

Upvotes

What are the Citibank credit score requirements?

Bogdan Roberts, Credit Cards Moderator

Citibank's credit score requirement is good credit or better for most cards (700+ credit score recommended). One exception is the Citi® Secured Mastercard® because it is designed for people with less than 3 years of credit history, which is considered limited credit.

Keep in mind that it's best to wait to apply for a given card until you meet the credit score requirement. You can check your credit score for free on WalletHub.

Credit Score Recommended by Citibank Card

Citi® Secured Mastercard®: less than 3 years of credit history (Limited History credit)
Citi Strata Premier® Card: 700 (Good credit)
Citi Custom Cash® Card: 700 (Good credit)
Citi® Diamond Preferred® Card: 700 (Good credit)
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®: 700 (Good credit)
Citi Double Cash® Card: 700 (Good credit)
American Airlines AAdvantage® MileUp®: 700 (Good credit)
Costco Anywhere Visa® Card by Citi: 750 (Excellent credit)
Citi Simplicity® Card: 700 (Good credit)

Note that while your credit score is very important, plenty of other things will impact your chances of being approved for a Citibank credit card. Some other key criteria include your income, existing debt load, recent credit inquiries, number of open accounts, housing status, and employment status.

Finally, keep in mind that lenders might use a different score when deciding whether to approve you for a financial product and approval is never guaranteed.

Upvotes

What is the easiest Citibank credit card to get?

Theresa Chalfant, Writer

The Citi® Secured Mastercard® is the easiest Citi credit card to get as it's the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). The Citi Secured card requires a $200 refundable security deposit, but it has a $0 annual fee.

There are a few Citi cards available for people with fair credit, namely some Citi store cards. Just note that store credit card purchases are limited to the affiliated merchant or their website.

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Upvotes

How can I log in to my Citibank account online?

Chip Lupo, Credit Card Writer

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” in order to set up a username and password.

How to Log in to a Citibank Credit Card Account

Upvotes

How can I reach the Citibank credit card customer service?

Upvotes

How many Citi cards can I have?

Marshall Jamieson, WalletHub Finance Consultant

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. Citi does not limit the number of cards you can have, but it does limit the number of cards you can apply for (and be approved) within a specific period of time. You can only apply for one card every 8 days, and no more than two over a 65-day period.

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* The information about the following cards has been independently collected by WalletHub: Citi® / AAdvantage® Platinum Select® World Elite Mastercard®, Citi® Secured Mastercard®, American Airlines AAdvantage® MileUp®, Citi Custom Cash® Card, Citi Simplicity® Card, and Best Buy® Store Card.