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Citi mobile app review

Track your FICO score, monitor your transactions and pay your bills.


Our pick for a Citi credit card: Citi® Diamond Preferred® Card

21 months

Intro APR on transfers

  • Market-leading 21 months intro APR on transfers and purchases
  • Potentially low revert rate of 13.74%-23.74% variable
  • No annual fee
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The mobile app from Citibank — a advertising partner — is good for managing your credit card accounts and to make payments. But it can’t stand up to competitors because users can’t track or redeem rewards with the app.

Benefits of the Citibank mobile app

Using the Citibank credit card app, you can take advantage of many features, including:

  • Monitor your accounts. Keep an eye on your credit card accounts and get transaction alerts. And if you wish, you can open new savings and checking accounts through the app.
  • Make payments. Pay your bills with a tap of your finger or set up scheduled payments.
  • Citi Quick Lock. Lock or unlock your cards if you ever misplace them to prevent anyone else using your cards.
  • Access your credit score. Monitor your FICO score for free every time you need it.
  • Fingerprint ID login. You can log in using your fingerprint instead of entering password every time. You can also log in with a Face ID, but only if your smartphone supports these features.
  • Transfer money with Zelle. Use Zelle to send money to friends and family.
  • Other features.Modify your due date, dispute charges, reset your card’s PIN, deposit mobile checks and find ATMs nearby.

Drawbacks of the Citibank mobile app

The Citibank mobile app is free to download and it can simplify your card management. The only drawback is that you can’t track or redeem your rewards, but this could change as they further develop the app.

Customer reviews

Users are generally happy with the Citibank mobile app. Some users complain about bugs and issues, but Citibank customer support often responds to their complaints. Since this is an app, expect future updates to fix the bugs.

The J.D. Power’s credit card mobile app satisfactory study from 2019 rates Citibank mobile app with two power circle ratings out of five. This is below the industry average and Citibank dropped one circle rating from last year when it had three. The reason for the drop is that a lot of users complained about numerous bugs, especially with the fingerprint ID login after Citibank made few updates to the app.

Compare Citibank credit cards

Easily manage more than one Citibank credit card if you want to apply for a second.

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Diamond Preferred® Card
0% intro for the first 12 months (then 13.74% to 23.74% variable)

Best of Finder 2021

An impressive 21 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Citi Custom Cash℠ Card
5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
0% intro for the first 15 months (then 13.99% to 23.99% variable)
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
Citi Simplicity® Card
0% intro for the first 12 months (then 14.74% to 24.74% variable)
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.

Compare up to 4 providers

Bottom line

The Citibank mobile app is free to download and it can help you save time and simplify your credit card management. With the app, you can track your accounts, schedule payments, lock or unlock your cards and more.

If you already own a Citibank credit card, simply download the app and start using it. But if you still haven’t chosen a card, make sure to compare your options until you find a card that meets your needs.

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