Your Citi® Double Cash Card – 18 month BT offer credit limit will be at least $500 to start. It could be a lot higher than that, depending on your overall creditworthiness, but Citi doesn’t disclose a maximum. In general, though, the higher your credit score is and the more income you have relative to your existing debt obligations, the higher you can expect your credit limit to be.
Furthermore, you shouldn’t read too much into the Double Cash Card’s $500 minimum credit limit. That amount is not uncommon for a credit card that requires good or excellent credit for approval. If you consistently pay your bill on time, you’ll also become eligible for a Citi Double Cash credit limit increase after six months or so.
Besides, plenty of people in the WalletHub community have reported being approved for thousands of dollars in spending power. Consider, for example, the following comments:
- “I was immediately approved for a $4,100 credit limit” – Anonymous
- “2500 credit limit. Easy and simple to use.” – Anonymous
At the end of the day, all we can say for sure is that Citi Double Cash is the best cash back credit card on the market and has a credit limit that will be at least $500. It’s definitely worth applying for if you have the good credit or better needed for approval. If you don’t get approved for the kind of limit you’re looking for, you don’t have to open an account. And you might even wind up with a higher limit if you balk at the initial number and threaten to walk.