If you're in the market for a new credit card, Citi is a name that's sure to come up often in your search, but with over a dozen different Citi credit cards, how do you know which one is right for you? This in-depth guide will not only help you better understand Citi cards in detail, but also decide which Citibank credit card may be right for you.
Citibank is one of the world's largest credit card issuers, so it should come as no surprise that they offer a wide range of cards that span a variety of different purposes. Whether you need flexible travel rewards, a cashback card, or need to buy materials to grow your small business, there's a Citi credit card for you.
As you can see from the types of cards available, Citi offers a number of rewards depending on your goals. From flights to reward points to shopping discounts, there's a card for virtually everyone. Also, most people don't realize this, but Citi regularly sends out spending bonuses to consumers. The catch is you may have to call their reconsideration line in order to get these generous offers.
To speak with a live representative about getting these valuable incentives, call 1-800-695-5171 and ask if you have any spending bonuses on your account. You can call as often as you'd like, but it's recommended that you call 60 and 180 days after opening your account, as well as at the beginning and end of the year. You can also view preapproved and targeted credit card offers online. These signup bonuses are typically more than what you'd see, in general, but be sure to check often as offers are added and removed frequently.
As one of the world's largest credit card issuers, Citi has a broad number of cards available for just about every financial need, meaning you're very likely to find a card that fits your goals. Citi is also very generous with its signup bonuses. While other credit card issuers have tightened up on things like rewards and flights, Citi still provides great deals for those who know what they want out of a card and aren't afraid to ask for it.
Overall, consumers are happy with their Citi credit cards. With extremely popular cards, such as the Citi Double Cash cashback rewards card, many customers are finding that it's a great way to get rewarded for the things they already buy. Even frequent travelers are impressed by the rewards Citi offers them through their travel cards.
As with any credit card company, however, there are mixed reviews on customer service. It's worth noting that the fraud prevention team is praised for being on top of questionable transactions the moment they happen—giving peace of mind to consumers who are concerned about things like identity theft. Still, some customers have less than spectacular things to say about requesting a credit limit increase, getting account issues resolved and other common complaints. Keep in mind, reviews are very subjective.
Generally speaking, Citi cards are a great choice for nearly anyone, from those with established credit histories, to college students just starting out on the road to credit responsibility. In particular, the Double Cash rewards card and travel cards are particularly generous in terms of the miles they give in exchange for purchases made within a certain time frame. Obviously, no two credit cards are alike, but as long as you use your card as it was intended, you'll find that your experience is both solid and reliable.
As with any credit card, it's best not to carry a balance forward if you can avoid it. But seeing as how there are even lucrative cards made for balance transfers, Citi cards are certainly worth consideration. One of the best reasons to consider a Citi credit card is their protective security and fraud prevention measures. Citi actively monitors your account for any transactions that seem "out of the ordinary" and will notify you if they suspect fraudulent activity. If you're concerned about buying a product or signing up for a free trial from a questionable merchant, you'll be glad to know that you can create a virtual "one time use" credit card number that's linked to your Citi account, but keeps your actual number hidden.
What are the risks and benefits of Citi cards?
The benefits and risks of owning a Citi credit card are much the same as with any credit card on the market. While credit cards do provide funding in case of an emergency, with this kind of convenience comes the responsibility and self-discipline to avoid digging yourself into a deeper hole of debt. One of the more common caveats comes in the form of cash advance fees. Citi has been known to charge cash advance fees if you fund your bank account with a credit card, for example, or purchase American Express gift cards. Typically, Citi allows you to set cash advance limits through your online account, which you can do as a preventative measure against unwanted cash advance fees.
Are there fees?
The fees associated with Citi credit cards depend on the card you apply for. Some cards have an annual fee, whereas others have the annual fee waived for the first year and then applied thereafter. Some cards have no annual fee at all. There are also balance transfer fees to consider, as well as intro APR and variable APR fees, which depend on your creditworthiness. Should you decide to apply for a Citi credit card, ensure you read the welcome packet carefully to fully understand the fees and charges that come with your card, as this is part of being a responsible cardholder.
How do I apply?
You can apply directly online for any of Citi's credit cards. You can also check your application status online at any time. If you're denied for a Citi card, call their reconsideration line at 1-800-695-5171 and make your case. You may be able to turn that denial into an acceptance!
Ok, I'm approved. Now what?
In some cases, such as with the AAdvantage card, you can get the number directly over the phone so that you can use it online right away. Typically, Citi does not expedite shipping on new cards. But if you call 1-800-756-7047 and request expedited shipping, they could make an exception on a case by case basis. Should you have any other questions, here's how to contact Citi directly:
1-800-695-5171 – Personal application status and reconsideration line—speak with a live representative
1-800-763-9795 – General personal application inquiries—speak with a live representative
1-800-645-7240 – Business application status and reconsideration line. Press option 3 and then option 1 to hear application status.
Twitter account – @AskCiti
Find Your Branch & Routing Number
Citibank Routing Numbers
|If your account was opened in …|
|Northern California—including San Francisco & Central California||321171184|
|Clients who applied with a Southern California address online, should use the Northern California ABA number||3222717243|
|Florida—Branches 510, 511, 512, 520, 522, 529, 530, & 622||0670047640|
|Florida—All other branches||266086554|
|Nevada—Las Vegas branches 27, 29, 30, 56 & 789||122401710|
|Nevada—All other branches||322271724|
|New York||021000089 or 0210014860 for former EAB customers|
|Virginia & Washington DC||254070116|