What credit score do I need to get a Citi Diamond Preferred card?

Question

The best credit card for a 700 credit score is the Wells Fargo Active Cash® Card because it offers 2% cash rewards on purchases – one of the market’s highest cash back earning rates that won’t fluctuate by spending category. 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.

In general, you want to focus on cards that require “good” credit or below, since 700 is a good credit score. Of course, there are other things that affect the application process, too, like 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 90%. You can do a pre-approval check for most of the best credit cards for a 700 credit score.

Best Credit Cards for 700 Credit Score

Best Overall: Wells Fargo Active Cash® Card
Best for Travel Rewards: Chase Sapphire Preferred® Card
Best for 0% APR: Wells Fargo Reflect® Card
Best for Everyday Purchases: Blue Cash Preferred® Card from American Express
Best for Hotel Rewards: The World of Hyatt Credit Card
Best for Airline Rewards: Southwest Rapid Rewards® Priority Credit Card

As you may have noticed, a lot of the best 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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Answer 1 · 2022-04-04 05:17:38

Maria Adams, Credit Cards Moderator

@m_adams • 04/04/22 This answer was first published on 03/26/21 and it was last updated on 04/04/22.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 to get a 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 credit scores as low as 685, 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.

What you need to get a Citi Diamond Preferred: More info

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.

What you can get with a lower credit score:

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 offers decent chances of approval and accepts people with limited credit. If you use the card responsibly, over time your credit score should rise to the point where you can apply for Citi Diamond Preferred and have higher odds of approval. Or, 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.

Answer 2 · 2018-02-05 18:59:54

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.

What credit score do I need to get a Citi Diamond Preferred card?

Maria Adams, Credit Cards Moderator

What you need to get a Citi Diamond Preferred: More info

What you can get with a lower credit score:

Citi® Diamond Preferred® Card

Roy Vreer, Member

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