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Citi mobile app review

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

Updated

Fact checked

The mobile app from Citibank — a finder.com 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.

Our pick for a Citi credit card

Citi® Double Cash Card

  • 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.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • 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 a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
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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
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
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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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