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 the Capital One Venture Rewards Credit Card 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 card 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

Card	Best for	Annual Fee
Capital One Venture Rewards Credit Card	Travel Rewards	$95
Wells Fargo Platinum card	Balance Transfers	$0
Blue Cash Preferred	Cash Back	$95, waived the first year
Radisson Premier Visa Signature® Credit Card	Hotel Perks	$75

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 · 2021-03-26 14:32:15

Maria Adams, Credit Cards Moderator

@m_adams 03/26/21 This answer was first published on 03/26/21. 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 good credit for high odds of approval. Some people claim to have been approved for this 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 Citi 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 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

Citi® Diamond Preferred® Card

Roy Vreer, Member

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