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

Question

The best credit card for a 700 credit score could be Capital One Venture if you’re eager to earn travel rewards, Blue Cash Preferred® Card from American Express if you’d prefer cash back or Wells Fargo Platinum if you want 0% APRs. It all depends on your individual needs, as no card does everything best. But you do 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.

Here are the best credit cards for 700 credit scores:

For Travel Rewards – Capital One Venture - 50,000 miles for spending $3,000 in the first 3 months. 2 miles per $1 on all purchases. No foreign transaction fees. $95 annual fee.

For Balance Transfers – Wells Fargo Platinum card - Intro APR of 0% for 18 months on purchases and 0% for 18 months on qualifying balance transfers on balance transfers. 3% balance transfer fee for transfers made in the first 120 days (5% after). No rewards. 3% foreign transaction fee. $0 annual fee.

For Cash Back – Blue Cash Preferred® Card from American Express - Intro APR of 0% for 12 months on purchases. Earn rate of 1 - 6% cash back. 2.7% foreign transaction fee. $95 annual fee.

Hotel Perks – Radisson Premier Visa Signature - 50,000 bonus points for making your first purchase, plus 35,000 points for spending $2,500 in the first 90 days. 10 points per $1 spent at Radisson and 5 everywhere else. 40,000 bonus points for renewing your card every year. 3% foreign transaction fee. $75 annual fee.

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 · 2019-12-20 06:26:49

FRANKIE SOLOMON, Member

@solosolosolo 12/20/19

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Applicants need a good credit score, typically 700 or higher, to have good odds of being approved for the Citi Diamond Preferred card. Some people claim to have been approved for the card with credit scores as low as 640, 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 Diamond Preferred Card.

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.

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 with any credit score. 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 Capital One Platinum.

Answer 2 · 2018-02-05 18:59:54

Roy Vreer, Member

@roy_vreer 02/05/18

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That would be anywhere above 700.

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

FRANKIE SOLOMON, Member

Roy Vreer, Member

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