I had a Citi Credit Card for 10 years and never received any rewards points, while my wife's card (Chase Unlimited) was accruing rewards points that she would redeem for gift cards every couple of months. Meanwhile, I was earning ZERO points. I finally called about it, and the Citi representative informed me that my card did not offer any rewards points, but he switched me to one that does. I questioned, "Why would you give me a credit card that does not have rewards points when you have another card that does provide reward points?" I was never offered any, as if they didn't want you to know about it. For 10 years I used this card monthly and received nothing in return. Now they say I can switch to a card that does! Why didn't they offer this card to begin with? And they refused to credit me any past points for the 10 years I used the card. So, I cancelled and signed on with Chase Unlimited, who offered me a card with reward points from day one. Unlike Citi, who benefited from my usage for 10 years and rewarded me with nothing, when I inquired, they were indifferent. Goodbye, Citi. You took my money from every purchase for 10 years and rewarded me with nothing. I urge everyone to stay away from this bank. The customer service is terrible, and they will take all the money they make from you and reward you with nothing if possible.