Overall (9.1/10)
Interest Rates & APY (9.0/10)
Fees & Minimums (8.9/10)
Customer Service (9.2/10)
Mobile App & Digital Banking (9.1/10)
Rewards & Perks (9.2/10)

Citibank Review:

Intro

Citibank offers global ATM access, the iconic 2% Citi Double Cash Card, and long 0% intro APR balance transfer credit cards.

Full Review

Citibank, the consumer division of Citigroup, is a global banking powerhouse operating across more than 160 countries. Citibank stands out for its Citi Double Cash Card (earning an effective 2% cashback on all purchases), Custom Cash Card, and longest-in-class 0% intro APR balance transfer credit cards.

For deposit customers, Citi offers tiered relationship banking packages, high-yield Accelerate Savings in eligible markets, and access to over 65,000 fee-free ATMs worldwide.

Pros

  • Flat 2% cash back on the no-annual-fee Citi Double Cash Card
  • Up to 21 months of 0% intro APR on balance transfers
  • 65,000+ fee-free ATMs across the U.S. and global Citi branches
  • No origination fees on Citibank personal loans

Cons

  • High-yield Accelerate Savings is restricted to select regional markets
  • Monthly fees on standard checking unless balance tiers are met
  • Travel protections were scaled back on entry-level cards
Feature Value
Overall Rating 4.7
Savings APY / AER 4.30% APY
Deposit Insurance FDIC Insured ($250k)

Citibank: Products

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Citi Double Cash Card

Citi Double Cash Card

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Citi Strata Premier Card

Citi Strata Premier Card

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Citibank HomeRun Mortgage & Conventional Loans

Citibank HomeRun Mortgage & Conventional Loans

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Citibank Personal Loan

Citibank Personal Loan

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Citibank: Categories

Business Banking

Business Banking

Rated 8.6

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Personal Loans

Personal Loans

Rated 8.1

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Credit Cards

Credit Cards

Rated 8.1

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Mortgages & Home Loans

Mortgages & Home Loans

Rated 7.9

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Checking Accounts

Checking Accounts

Rated 7.7

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High-Yield Savings

High-Yield Savings

Rated 7.5

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CD Rates & Fixed Deposits

CD Rates & Fixed Deposits

Rated 7

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