Overall card rating

3.5
1183 Reviews
from Intuit Credit Karma members

Most helpful positive review

Jan 24, 2022
Great card 2% on everything!
Credit Karma Member

I have had this card for a couple of years and it is my main card. I have earned over $3,000 cash back. Since I pay off my card each month, it's free money. I don't have to worry about spending categories or doing anything, the rewards are done automatically.

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Most helpful negative review

Jul 26, 2022
Waste if credit running
Credit Karma Member

I have a 740 credit score. No debt. No late payments. And they denied me. Credit went down 15 pts for applying. Don’t waste your time or credit points! They are a total waste and a joke!

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Member ratings

Application process
Customer service

All member reviews (1183)

471
112
63
49
488

Dec 01, 2023
A joke!!!
Credit Karma Member

My odds were outstanding I was told for this crap card! Well they denied me and now my points will probably go down!!!!

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Nov 29, 2023
Complete waste of your time with the low credit li
Credit Karma Member

Like so many others I have had a score over 770 for years and 6 cards over $20 k limit . I took a hit on my credit for $1000 limit . Don’t waste your time . It has taken 3 years to get an increased limit still a low amount.

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Nov 28, 2023
Abominable customer service
Credit Karma Member

Worst customer service I've ever seen. Automated prompts, put on hold repeatedly, no one speaks English clearly, and after 40 min they still couldn't verify my identity for reasons they refused to tell me. Now I have to wait for a letter in the mail to call them back again with a number. I'm sure it'll be just as bad the second time.

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Nov 25, 2023
Worse CC I have
Credit Karma Member

Limited is low, practically never increases, when I’ve had an increase (ONCE in like 4 years) it was a couple hundred…or, same as NOTHING. It’s useless.

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Nov 25, 2023
Very satisfied and surprised
Credit Karma Member

I was surprised that they approved me well I have like 28 credit cards

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Nov 24, 2023
None approval
Credit Karma Member

760 lol not good enough

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Nov 20, 2023
Options
Credit Karma Member

Car has great attributesccould possibly need it some day

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Nov 19, 2023
The worst customer service
Credit Karma Member

1. I lost my card, and it took me 20 minutes to lock it. I had to speak with two representatives who kept asking me the same questions over and over again. 2. I asked for overnight delivery to replace my card. However, the card was not sent on the same day as requested, but a few days later on Friday. I hope I will receive it by Monday.

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Nov 18, 2023
Customer Service is the worst in all the lands
Credit Karma Member

They're worthless. You have to burn 30 minutes of phone prompts just to speak to a human and when you finally do, they aren't really interested in helping you. It's end-stage capitalism where the company actively hates its own customers. The 3 or 4 other credit card companies are not that much better, but definitely better than Citi

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Nov 17, 2023
Low Credit limit
Credit Karma Member

Have never missed a payment in 2 years always pay in full and haven’t once increased my limit stay away from this card!

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