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!
Citi® / AAdvantage® Platinum Select® World Elite Mastercard®
The Citi AAdvantage Platinum Select Mastercard credit score requirement is 700+. That means applicants need a score within the good credit range to have good approval odds.
While it may be possible to get approved for an AAdvantage Platinum Select Card with a credit score slightly lower than 700 (for example, if you have an especially high income), it’s better not to take the chance. Since the card now requires good credit, the higher your score is above 700 when you apply, the more likely you are to get approved, and the better your card’s APR and credit limit are likely to be.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to all three … read full answermajor credit bureaus (TransUnion, Equifax and Experian).
However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the VISA or Shell Credit Card network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.
Here are some of the easiest Citi cards to get:
Citi Secured: Open to applicants with limited (less than 3 years of credit history). $0 annual fee.
Best Buy® Store Card: Fair credit or better (a credit score of 640+) required. $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.
Shell Gas Card: Fair credit or better (a credit score of 640+) required. $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2022, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
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