Editorial disclosure: CardRewards.ai is an independent comparison service. Card data comes from issuers' published terms; data as of September 27, 2026. Card issuers do not influence our rankings or content.
Fraud Protection benefit details — No annual fee
Citi monitors your account for suspicious activity and contacts you to validate potentially fraudulent transactions.
You won't be held responsible for unauthorized transactions made in store, online, or via mobile device.
Block new charges instantly while keeping recurring payments active. Lock and unlock from the Citi Mobile App or Citi Online.
