The fastest way to access your Citi credit card account
Go to citi.com and look for the "Log In" button in the top right corner of the page. Click it, then select "Credit Cards" from the menu that appears. Enter your username or the email address tied to your account, then your password. If you have set up two-factor authentication (a security code sent to your phone or email), you will need to enter that code after your password.
If you do not yet have a username, Citi will ask you to create one during your first login. You can use any username you choose — it does not have to match your name. Write it down somewhere safe, because you will need it every time you log in.
Once you are logged in, you can view your balance, recent transactions, due date, and minimum payment. You can also set up automatic payments, read statements, and change your account settings from this dashboard.
Key Takeaways
- The login page is at citi.com, and you will need a username (or email address) and password to enter.
- Citi may send a security code to your phone or email as a second step — this is normal and protects your account.
- If you forget your username or password, Citi has a "Forgot?" link on the login page that will walk you through recovery.
- Once logged in, you can pay your bill, check your balance, and read statements without leaving the site.
What to do if you cannot remember your username
Click the "Forgot?" link below the username field on the Citi login page. Citi will ask you to enter your Social Security number and date of birth to confirm your identity. After you verify this information, you can choose to have your username sent to your email address or displayed on screen.
If you do not receive the email within a few minutes, check your spam folder. If you still cannot find it, you can call Citi's customer service line (the number is on the back of your card) and a representative can help you recover your username over the phone.
Resetting a forgotten password
Click "Forgot?" below the password field. Citi will ask you to verify your identity using your Social Security number and date of birth. Once verified, you will be sent a link to reset your password — usually to the email address on file with your account.
Click the reset link in that email. You will be taken to a page where you can create a new password. Citi requires passwords to be at least 8 characters long and to include at least one number and one letter. After you create your new password, you can log in right away using it.
Setting up two-factor authentication for extra security
Two-factor authentication adds a second layer of protection to your account. After you enter your username and password, Citi sends a code to your phone (via text) or email. You must enter that code to finish logging in. Even if someone has your password, they cannot access your account without that code.
To turn on two-factor authentication, log into your account, go to "Settings" or "Security," and look for the option to enable it. Citi will ask whether you want codes sent by text message or email. Choose whichever method you check more often. You can change this setting at any time.
Logging in from a phone or tablet
You can log into your Citi credit card account using the Citi Mobile App, which is available for both iPhone and Android. read the app from the Apple App Store or Google Play Store, open it, and tap "Log In." Enter your username and password the same way you would on the website.
The mobile app shows the same information as the website — your balance, recent charges, and payment options. Many people find it faster to check their balance or make a payment using the app than logging into a web browser. You can also set up push notifications so Citi alerts you when your statement is ready or when a large charge posts to your account.
What to do if the login page will not load
If you see an error message or the page will not load, try these steps in order: First, clear your browser's cache and cookies, then refresh the page. Second, try logging in using a different web browser (Chrome instead of Safari, for example). Third, try again on a different device — a phone instead of a computer, or vice versa.
If none of these work, the problem may be on Citi's end. Check Citi's social media accounts or website status page to see if other customers are reporting problems. If the site appears to be down, wait 15 to 30 minutes and try again. If you need to make a payment urgently and cannot log in, you can call the customer service number on the back of your card and make a payment over the phone.
Keeping your login information safe
Never share your username, password, or the security codes Citi sends you with anyone — not even Citi employees. Citi will never ask you for your password in an email or phone call. If someone contacts you claiming to be from Citi and asks for your password, it is a scam.
Use a password manager (such as 1Password, LastPass, or Bitwarden) to store your Citi password securely. A password manager remembers your password so you do not have to, and it fills in your login information automatically. This is safer than writing your password on paper or reusing the same password across multiple websites.
Frequently Asked Questions
Can I log in with my email address instead of a username?
Yes. On the Citi login page, you can enter either your username or the email address associated with your account. Citi will recognize either one and let you proceed to the password field.
What should I do if I see a message saying my account is locked?
Citi locks your account temporarily after several failed login attempts to protect it from unauthorized access. Wait 24 hours, then try logging in again with the correct password. If you still cannot remember your password, use the "Forgot?" link to reset it. If the account remains locked after 24 hours, call customer service.
Is it safe to log in on public WiFi?
It is safer to log in using your phone's cellular data than using public WiFi at a coffee shop or library. If you must use public WiFi, use a VPN (virtual private network) to encrypt your connection. Many VPN services are free or cost a few dollars per month.
Can I log in to multiple accounts at the same time?
Yes. You can open separate browser tabs or windows and log into different Citi accounts in each one. You can also log in on different devices at the same time — for example, on your phone and your computer simultaneously.
What happens if I do not log in for a long time?
Citi will not close your account if you do not log in, but your account will remain active and you will still owe any balance on it. Your login credentials will stay the same. You can log in whenever you want to check your balance or make a payment.