WalletHub, Financial Company
@WalletHub
You need a good credit score to get approved for the Citi® Double Cash Card. That means applicants need a credit score of 700 or higher for good approval odds. 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. That’s actually one reason why we recommend applying for Citi Double Cash only if you have a credit score of 700 or higher.
Most people think of “good” credit scores as ranging from 700 to 749. But it’s wise to adjust your sights a bit higher than the minimum for good 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.
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 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.

Citi® Double Cash Card – 18 month BT offer
Debbie Fischer, Working Mom
@globetrotter4li
You might get away with a 660, but if you want to make sure you'll be approved, I highly recommend you get your score at 700 or more before applying.
Rishabh, Member
@rishabhganguli1999
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.

Rishabh
@rishabhganguli1999
Also my annual income is around $30k.
People also ask
texasnugent, Member
@texasnugent
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.
Deanna Visalle, Member
@deannav_4
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%.

Angie Brantley
@angiekayeb
Can I ask if they gave you a high enough credit limit to take advantage of the 0% APR?
Timothy Baker, Member
@tether52
700 is the safe spot, but you could go lower with a good income. Good luck!
Rey, Member
@DebtCrusher
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.
stephanieenglescotter, Member
@stephanieenglescotter
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!!
Nathan Preston, Member
@nathan_preston
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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Adam Lee @adaml_66
I had a 709 score and $75k income with 3% uti and was declined. I was told they like to see you carry balances, and I generally do not do that.
Grayson Moot @grayson_moot
Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.