It may be possible to get approved for the Citi AAdvantage Platinum Select with a slightly lower credit score if you have a high income, for example. But it’s better not to take the chance. And the higher your score is when you apply, the better your card’s APR and credit limit are likely to be.
Apart from your credit score and income, there are other things that could impact your chances of approval. Some other key criteria include your existing debt load and recent credit inquires.
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
You'll need a credit score of at least 700, or good credit, to qualify for Citi AAdvantage Platinum Select.
Of course, a higher credit score will likely get you a higher credit limit. It's important to know that the credit score alone won't grant you approval. Citi will also look at your income, credit utilization, negatives etc., so make sure you're well equipped. Good luck!
You need a credit score of 700 to 750 for an American Airlines credit card. That means people with good-to-good credit are eligible to be approved for American Airlines credit cards. If your credit score is below the threshold needed for an American Airlines credit card, it’s best to wait to apply until you meet the credit score requirement. You can … read full answercheck your credit score for free on WalletHub.
American Airlines Credit Score Requirements by Card
Your credit score is an important factor, but there are plenty of other things that will impact your chances of being approved for an American Airlines credit card, too. Some other key criteria include your income, existing debt load, number of open credit accounts, recent credit inquiries, employment status and housing status.
The best Citibank AA card is the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® because it offers 50,000 miles for spending $2,500 in the first 3 months. Cardholders also earn 2 miles per $1 spent on eligible American Airlines purchases, 2 miles per $1 at gas stations and restaurants, and 1 mile per $1 on all other purchases.
The annual fee is $0 intro for the first year and $99 after that. There is a 0% foreign transaction fee.
Citibank AA cards offer a variety of options for American Airlines flyers. But they do have one perk in common – 25% savings on in-flight food and beverage purchases. And all of them except the MileUp Card offer preferred boarding and a free first checked bag (for you and sometimes for companions, too).… read full answer
Before you apply for a card, consider how much you fly with American Airlines and if you’ll earn enough bonus miles to offset the cost of any annual fees.
You need a credit score of at least 700 for a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.… read full answer
Below, you can see what Citi cards your credit score will allow you to pursue, along with other information about approval.
Citi credit score requirements:
Limited History: For those with little or no credit history, the Citi Secured is a good option. A refundable security deposit of $200 is required. It doesn’t give any rewards, but it does offer a $0 annual fee and can help you rebuild your credit.
Excellent credit (750 and up): You’ll be eligible for all of Citi’s cards with a score in this range, assuming your income and other information check out. But the only excellent-credit-only option is the Costco Credit Card (cash back oriented, offering 1 - 4% cash back on different spending categories).
Other requirements: It takes more than just a good enough credit score to get Citi credit card approval. In particular, you need enough income to pay the monthly bills, along with your existing debts. You’ll also need a valid Social Security number (or ITIN) and U.S. mailing address.
If you’re not sure which Citi credit card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card online. Citi might also send a pre-qualified credit card offer to potential customers. But while this increases your chances for approval, it does not guarantee it. If you have received such an offer, visit Citi’s web page and enter your invitation code and last name to apply.
Also, keep in mind that applying for a Citi or any other credit card triggers hard inquiries and can temporarily lower your score - the more inquiries over a short period of time, the more damage to your score. So it’s best to know where you stand before applying for any credit card. You can check your credit score and track your progress for free, right here on WalletHub.
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