You need an excellent credit score to get approved for the Citi® Double Cash Card – 18 month BT offer. That means applicants need a credit score of 750 or higher for good approval odds. Simply having a 750 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations. That’s actually one reason why we recommend applying for Citi Double Cash only if you have a credit score of 750 or higher.
Most people think of “excellent” credit scores as ranging from 720 to 850. But it’s wise to adjust your sights a bit higher than the minimum for excellent credit when shopping for an elite credit card offer. After all, if you barely meet the Citi Double Cash credit score requirement, actually getting approved may still be a long shot.
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.
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.
You need a good credit score for a Citi credit card in most cases. So you’ll have a shot with a credit score of 660+, and your odds will be good with 700+. 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
For example, some of the Citi credit cards that require good credit or better for approval include Simplicity (0% for 21 months on balance transfers), and Double Cash (2% cash back). Among the Citi credit cards you need excellent credit (a score of 750+) to get are ThankYou Preferred (2X points on dining and entertainment), Premier (3X points on travel), and the two Expedia cards. And even people with bad credit can get the Citi Secured Card.
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:
Bad credit (below 640): You only have one option for a Citi card if you have bad credit. That’s the Citi Secured Mastercard. It doesn’t give any rewards, but it does have no annual fee and can help you rebuild your credit. There’s a $200 minimum security deposit.
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 stores that offer fair credit cards through Citi are Staples, Best Buy and Goodyear.
Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get the best cashback card on the market, Citi Double Cash, with good credit, or the Citi Simplicity card.
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 ThankYou Preferred (15-month 0% APR), Expedia+ Voyager (travel rewards) and Citi/AAdvantage Executive World Elite Mastercard (airline miles).
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.
Check your credit score before applying for a Citi credit card. That will tell you which cards you have the best chances of getting. And you can check if you’re pre qualified for any Citi cards on their website.
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.
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.
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%.
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!!
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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