I am happy with the CitiAA credit card I have, although I think as a bank, Citibank leaves much to be desired.

I opened an account after seeing so many Citibank ATMs overseas and getting tired of paying ATM fees internationally. When I opened the account I asked repeatedly if I could use international ATMs for no charge. The answer was yes.

I was surprised by the $6 surcharge for each transaction on my next statement and then the rep's response when I explained what I had been told about "no-fee" ATMs:

"That $6 is a 'charge' not a fee"

I closed my account immediately thereafter.

BofA has a good network of fee-free ATMs with partner banks. FYI