What credit score do you need for Citi Double Cash?

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 has no minimum score at all.… read full answer

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

Here’s what else you should know about the credit score you need for a Citi credit card:

• Limited History: For those with little or no credit history, the Citi® Secured Mastercard® 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 Staples® 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. Some excellent-credit-only offerings include Citi Prestige (5 points / $1 spent on purchases at airlines, travel agencies and restaurants and 50,000 bonus points for spending $4,000 in the first 3 months) and 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.

Citi might 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.

Citi uses all three major credit bureaus to evaluate credit card applications. That doesn’t mean it will pull all three of your credit reports, though. Rather, there’s no telling which bureau(s) Citi will pull from when you apply.

But that shouldn’t be a big deal. Your major credit reports contain nearly identical information. So if one includes negative information, the other two probably will as well. And if there’s a mistake on any of your credit reports, you’ll want to dispute that right away.… read full answer

Besides, it’s pretty much impossible to predict a credit card company’s opinion of your financial past. Each uses its own customized credit score, for one thing, which explains why there is no one “real” credit score.

Both the Citi Double Cash and Citi Simplicity are great credit cards, however, they're great for different purposes.

The Citi Double Cash offers a cash back rewards program (2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases) while the Citi Simplicity doesn’t offer a rewards program at all.… read full answer

However, Citi Simplicity is one of the best 0% credit cards on the market. It offers 0% for 18 months on balance transfers and 0% for 18 months on new purchases, thus making it great for individuals who want an extended promotional APR period to save interest on big-ticket purchases.