What credit score do I need for the Citi Diamond Preferred card? This question is about the Citi® Diamond Preferred® Card

What credit score do I need for the Citi Diamond Preferred card?

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This question is about the Citi® Diamond Preferred® Card

Maria Adams, Credit Cards Moderator

@m_adams • 02/17/23 This answer was first published on 03/26/21 and it was last updated on 02/17/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You need a credit score of 700 or higher for the Citi Diamond Preferred card. This means that you should have at least good credit for high odds of approval.

Some people claim to have been approved for this card with lower scores than 700. But that is riskier, especially if you don’t have a high income compared to your major monthly expenses. Generally speaking, the higher your credit score is, the better your chances will be of getting approved for the Citi Diamond Preferred card.

Other Citi Diamond Preferred Approval Requirements

Just remember that a 700+ credit score does not guarantee approval. Your score is important, but you will also need to provide proof of a steady income in order to qualify. Additional factors taken into account include your employment status and existing debts. Citi will also look at your housing payments and the number of open credit card accounts you have.

Alternative Credit Card Options

If your current credit score doesn’t meet Citi Diamond Preferred’s requirements, consider spending a little more time rebuilding your credit before you apply. Or, you could apply for a credit card that’s easier to get.

The Citi® Secured Mastercard® offers decent chances of approval and accepts people with limited credit. If you use the card responsibly, you’ll eventually be eligible for the Citi Diamond Preferred Card. If your score is in the fair credit range, you could consider a card from another issuer, such as the Capital One Platinum Credit Card.

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Roy Vreer, Member

@roy_vreer • 02/05/18 This answer was first published on 02/05/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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That would be anywhere above 700.

Answer Question

Is the Citi Diamond Preferred Card hard to get?

Yes, the Citi® Diamond Preferred® Card is hard to get, as it requires at least good credit (a credit score of 700+) for approval. Citi will also consider your payment history, credit utilization, and annual income to help determine if you qualify.

What to know before applying for the Citi Diamond Preferred:

It’s worth noting that the Citi Diamond Preferred will be harder to get for some people, seeing as the ... read full answer average credit score in the U.S. is close to the minimum required for approval. Be sure to check your free credit score before you apply to assess your odds of being approved.

You can get a better idea of how hard it will be to get a Citi Diamond Preferred through Citibank’s online pre-screen tool. You’ll know in a matter of seconds if you’re pre-selected for Citi Diamond Preferred and other Citi credit cards, based on the information you enter. Plus, this tool doesn’t affect your credit score, as the process is done using a soft inquiry.

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What are the best credit cards for a 700 credit score?

One of the best credit cards for a 700 credit score is the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on all purchases. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.

What to Know Before Getting a 700 Credit Score Credit Card

In general, you want to focus on cards that require good credit or below, since 700 is considered a good credit. Of course, there are other things that affect the application process, too. Some other key criteria include income and the number of recent inquiries on your report.... read full answer

A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 80%. You can do a pre-approval check for most of the top credit cards for a 700 credit score.

Some of the Best Credit Cards for 700 Credit Score

Rates & FeesFlat Cash Back Rate: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
Travel Rewards: Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn More
Rates & FeesIntro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
Rates & FeesTerms Apply Everyday Purchases: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
Hotel Rewards: IHG® Rewards Premier Credit CardIHG® Rewards Premier Credit CardLearn MoreLearn Moreon issuer's website
Airline Rewards: Southwest Rapid Rewards® Priority Credit CardSouthwest Rapid Rewards® Priority Credit CardLearn MoreLearn Moreon issuer's website

As you may have noticed, several credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.

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What are the best credit cards for a 600 credit score?

One of the best credit cards for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card rewards cardholders with 1.5 - 5% cash back on purchases. Plus, the card has a $0 annual fee.

Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.... read full answer

Best Credit Cards for a 600 Credit Score

No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Cash Back: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Low Regular APR: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Build Credit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

For more options, you can also check out our editors’ latest picks for the best credit cards for bad credit (600 credit score). Ultimately, to learn more, read WalletHub’s guides on secured credit cards and how to rebuild credit.

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