The credit score you need for the Citi Double Cash Card is 700+. This means you need at least good credit to get approved for this card. 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.
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.
I got approved for the Citi Double Cash with an Experian score of 626. I had a 2% utilization and a 35$ balance. I think what helped was the fact that I don’t have any debt obligations like rent or a mortgage.(I'm a 19-year-old college student who stays with his parents). If you’re in a similar situation, you could apply. It still might be a longshot. I have 5 inquiries on my file including the citi inquiry. Got denied a month ago for the Capital one secured which made this citi approval feel a lot better. Currently have a Discover Student 5% cashback and the amazon prime visa signature from chase in my credit card arsenal.
Yep… wish I had read this before I applied. As a guidance to others, maybe put your desired balance transfer amount lower than what you’d honestly like to transfer. I listed 15k as my desired balance transfer amount and then was denied with a score of 768 and a salary of over 100k. Hope everyone stays safe in these tough times…. much love to all who are responsibly arranging their debts and finances amidst this pandemic.
Yes, it is hard to get the Citi® Double Cash Card – 18 month BT offer because it requires a credit score of 700 or higher for approval. Unless your have at least good credit and a lot of income, it will be difficult for you to get approved for the Citi Double Cash Card.
In order to get the Citi Double Cash Card, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.… read full answer
Keep in mind that even if you meet all of the requirements for the Citi Double Cash Card, you’re never guaranteed to be approved.
It's possible for Citi to use any of the three major credit bureaus for approval: Equifax, Experian, and TransUnion. Citi tends to use at least two of the three credit bureaus when it reviews credit card applications, according to customer service. Where you live may factor into which credit bureau Citi uses, too.… read full answer
When Citi checks an applicant’s credit report through one of the credit bureaus, it makes a “hard inquiry” or “hard pull.” A hard inquiry may cause your credit score to drop a few points. Plus, it will stay on your credit report for two years, though it only affects your score for the first year.
The Citi Double Cash Card offers a cash back rewards program - 2% cash back on every purchase (1% when you buy and 1% as you pay for those purchases) - while the Citi Simplicity Card doesn’t offer a rewards program at all.
However, Citi Simplicity Card is one of the best 0% credit cards on the market. It offers an intro APR of 0% for 21 months on balance transfers and 0% for 12 months on new purchases, thus making it great for individuals who want an extended promotional APR period to save interest on big-ticket purchases or balance transfers. There is a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer, and a regular APR of 18.24% - 28.99% (V).… read full answer
Citi mailed me a pre-approval letter. I have two accts with them and they had recently turned me down for a credit limit increase on my Exxon Card. So I wasn't expecting to get approved with a current 42% credit utilization. However much to my surprise even with a 670 Experian, 663 TU and 653 EFX I was auto approved with a good initial credit limit. So I guess credit score is not the end all, be all in the approval algorithm.
They have a prequalification that won't affect your score. No hard pull. I got an invite in mail and approved with a 641. My usage stays below 17% at all times. Low debt to income ratio. Only 2 hard inquiries. Rebuilding after separation and paying everything off. All closed accounts. Got first credit card a few months ago in over 15 years to start boosting score. I use and payoff immediately. This will be my card of choice to pay everything then pay off. Free Christmas money!!
I was just approved for a Citi Double cash a few days ago. My average Fico was about 632. But my other factors probably helped. Only 4 hard inquiries in the last two years (but that's because of the SCT). Zero late payments in over two years. (it would be longer but a charge off was errouneously listing my payment as 'late') And my credit utilization was 35%.
Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.
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