Does the Citi Double Cash card have pre-approval?

You need a credit score of 700 or higher to get approved for the Citi Double Cash Card. Citi Double Cash applicants need good credit or excellent credit to qualify, and a 700+ credit score satisfies the card's requirement. Simply having a 700 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations, and your overall ability to make credit card payments.… read full answer

You can check your latest credit score for free on WalletHub, the only site with free daily updates, to get a sense of your Citi Double Cash Card approval odds. We’ll also give you personalized credit improvement tips to help maximize your chances.

Finally, if you don’t think you have the kind of credit score needed for Citi Double Cash Card approval, that doesn’t mean you’re out of options. You can check out the rest of WalletHub’s picks for the best rewards credit cards to find an offer that suits your standing. Keeping your account in good standing by paying your bills on time and in full will help you improve your credit score and gain access to better credit card deals.

Yes, Citi can pre-qualify you for a credit card using their online pre-qualification page, though the pre-qualification tool is not currently working. While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning again.

When the pre-qualification page is working again, you can see if you pre-qualify for any Citibank credit cards by providing some personal information, such as your name, your mailing address, and the last four digits of your Social Security number. Citibank will then conduct a … read full answersoft inquiry on your credit score, which won’t hurt your credit in any way, before showing which cards you prequalify for.

How to Check Which Citi Cards You Pre-Qualify For

1. Go to Citi’s pre-qualification page.
2. Enter your name, address, and the last 4 digits of your Social Security number.
3. Select which card benefit, if any, matters most to you from the dropdown menu.
4. Check the box acknowledging you know this isn’t a credit card application and won’t affect your credit score.
5. Click “See your card offer.”

You’ll find out which Citi cards you have good approval odds for almost immediately after you submit your information. If you’d like, you can apply for one of those cards right away. Pre-qualification doesn’t guarantee approval, but it does give you around a 90% chance of approval if you choose to apply.

Citi might also mail you a pre-qualified credit card offer. The downside to this is that you only get an offer for one card as opposed to the potential for several online. If you received your offer by mail, you can either fill out the enclosed application and mail it back, or type in the invitation number on the “Respond to a mail offer” tab of the pre-qualification page.

You need a credit score of at least 700 for a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.… read full answer

Below, you can see what Citi cards your credit score will allow you to pursue, along with other information about approval.

Citi credit score requirements:

• Limited History: For those with little or no credit history, the Citi Secured is a good option. A refundable security deposit of $200 is required. It doesn’t give any rewards, but it does offer a $0 annual fee and can help you rebuild your credit.
• Fair credit (640-699): With fair credit, you have a good shot at getting one of Citi’s various store cards. These cards can only be used at their associated store. Some examples of store cards issued by Citi that require at least fair credit are Office Depot Credit Card, Best Buy® Store Card and Goodyear Credit Card.
• Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get one of the best cashback cards on the market - Citi Double Cash Card - if you have at least good credit. Other cards that require at least good include Citi Simplicity Card, Citi Diamond Preferred and the Citi Rewards+ Card. And if you’re a frequent American Airlines flyer, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® also requires at least good credit while offering 2 miles / $1 spent at gas stations and restaurants and on America Airlines purchases (1 mile / $1 on all other purchases).
• Excellent credit (750 and up): You’ll be eligible for all of Citi’s cards with a score in this range, assuming your income and other information check out. But the only excellent-credit-only option is the Costco Credit Card (cash back oriented, offering 1 - 4% cash back on different spending categories).
• Other requirements: It takes more than just a good enough credit score to get Citi credit card approval. In particular, you need enough income to pay the monthly bills, along with your existing debts. You’ll also need a valid Social Security number (or ITIN) and U.S. mailing address.

If you’re not sure which Citi credit card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card online. Citi might also send a pre-qualified credit card offer to potential customers. But while this increases your chances for approval, it does not guarantee it. If you have received such an offer, visit Citi’s web page and enter your invitation code and last name to apply.

Also, keep in mind that applying for a Citi or any other credit card triggers hard inquiries and can temporarily lower your score - the more inquiries over a short period of time, the more damage to your score. So it’s best to know where you stand before applying for any credit card. You can check your credit score and track your progress for free, right here on WalletHub.