Bank profile
Citi
We track 2 accounts and 5 credit cards from Citi, with a source and verification date on every figure.
2.5Bank Compass score
4.9Mobile app rating
Bank Compass is not a bank, is not FDIC-insured, does not provide financial advice, and is not affiliated with the entities compared unless otherwise noted. Rates and terms change — always verify on the bank's official website.
Where Citi ranks
Credit cards
Citi
Citi Double Cash® Card
Citi Double Cash® Card
$0 annual fee
Citi
Citi Strata Premier℠
Citi Strata Premier℠
$95 annual fee
Citi
Citi Strata℠ Card
Citi Strata℠ Card
$0 annual fee
Citi
Citi Simplicity® Card
Citi Simplicity® Card
$0 annual fee
Citi
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
$0 annual fee
Checking accounts
Citi Checking
$12/mo fee
Waived with: Combined average balance of ~$1,500 across linked Citi accounts, or qualifying direct deposit (figure has discrepancies between sources, not cross-checked against the official site)
Savings accounts
Citi Savings / Citi Accelerate Savings
$4.50/mo fee
Waived with: Linking a Citi checking account, a $500+ average balance, or relationship tier
Digital banking
Citi offers a mobile app. App Store rating: 4.9 / 5.
Related reading
The terms this profile uses, explained — before you decide whether Citi is the one.
- What Is the FDIC, and Is Your Money Actually Insured?The FDIC insures deposits at member banks up to $250,000 per depositor, per insured bank, for each account ownership category. Those three qualifiers are the whole rule — and they are also how a household can be covered for far more than $250,000 at one bank.Guide · 4 min read
- What Is APY, and Why It Matters More Than the Interest RateAPY (Annual Percentage Yield) is the actual return you'll earn on a savings account in a year, including compounding. It's the number to compare — not the interest rate alone.Guide · 3 min read
- How to Choose a Checking Account Without Overpaying in FeesMost checking account fees are avoidable — but only if you actually meet the condition the bank sets. Here's how to check before you open an account, not after the first fee posts.Guide · 3 min read
- Overdraft Fees: What They Are and the Setting That Turns Them OffAn overdraft fee is what a bank charges to cover a payment your balance could not. For debit card and ATM transactions you have to opt in for that to happen at all — and if you never opted in, the card is simply declined and nothing is charged.Guide · 4 min read
Run the numbers
What Citi's rates and fees are worth once your own figures are in them.
- Compound Interest CalculatorSee how your money grows with compound interest — add contributions and compare to the S&P 500's real historical returns.
- Credit Card Payoff CalculatorSee how long paying only the minimum really takes, and how much an extra $50 or $100 a month saves.
- Mortgage Calculator (PITI + PMI)Estimate your monthly mortgage payment — principal, interest, property tax, insurance, and PMI.
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