You generally need a good or excellent credit score to get approved, but there is no official minimum Citi® Double Cash Card – 18 month BT offer credit score requirement. In other words, simply having a score above or below a certain threshold does not guarantee approval or rejection. There are other factors in play, including how your income compares to your debt obligations. And that’s 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 660 to 719. But it’s wise to adjust your sights a bit higher 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 2017’s best rewards credit cards to find an offer that suits your standing.
Unfortunately not. You will need good credit (i.e. a credit score of at least 700) to qualify for this card. If you’re looking for a card designed for bad credit, feel free to compare the best ones at: https://wallethub.com/credit-cards/bad-credit/.
Citi Double Cash vs Capital One Venture is a matchup of two great rewards cards. Citi Double Cash has a $0 annual fee and offers 2% cash back on all purchases. Capital One Venture offers 2 miles per $1 spent on all purchases and charges a $95 annual fee, waived for the first year. Miles are worth 1 cent apiece when redeemed toward travel purchases.… read full answer
Citi Double Cash offers an intro APR of 0% for 18 months on balance transfers with a 3% (min $5) transfer fee. Its regular APR is 15.49% - 25.49% (V). Venture has no intro APR and a 17.24% - 24.49% (V) regular APR. Venture does offer 50,000 miles when you spend $3,000 in the first 3 months of account opening. That’s worth $500 when redeemed toward travel. Double Cash doesn’t have an initial bonus.
If you plan to use the card for everyday spending and don’t travel frequently, then Double Cash is the better choice. For travel rewards, stick with the Venture card. In addition to all it offers travel enthusiasts, there’s also a $0 foreign transaction fee. Double Cash, meanwhile, comes with a 3% foreign transaction fee on all international purchases.
The easiest Citi card to get is the Citi Secured Mastercard because it is the only one that will accept applicants with bad credit. The Citi Secured Card requires a $200+ refundable security deposit but has a $0 annual fee. It also helps build credit history with monthly reporting to the credit bureaus.… read full answer
Aside from the Secured Mastercard, which is designed for people with bad, limited or no credit, nearly all other Citi personal and business credit cards aren’t as easy to get. It takes either good credit (700-749 credit score) or excellent credit (750+) in order to get approved for cards such as Citi Double Cash or Citi ThankYou Premier.
However, there are a number of store cards that are among the easiest Citi cards to get. Some of the best include the Best Buy Store Card, Shell Store Card and Merchants Tire Card.
Citi store cards require at least fair credit (600-649 score) for approval. But purchases are limited to the affiliated merchant or its website. Best Buy and Shell are among the many store cards that also have a full-fledged version on either the Visa or Mastercard network, which can be used anywhere the network is accepted. Those cards aren’t as easy to get as the store versions, as they require at least good credit.
Here are some of the easiest Citi cards to get:
Citi Secured Mastercard – Available with credit score below 640
The Best Buy Store card is only usable at Best Buy, but it’s one of the easiest Citi cards to get because it requires fair credit (score of 640+). It has a $0 annual fee and offers 0% deferred interest for 6 to 24 months on purchases of $199 and up (length depends on price) OR 5% back in rewards on purchases (6% for spending $3,500 on card in a year). Deferred interest means that if you pay in full by the end of the 0% period, you owe no interest. If you carry any balance after that, though, you owe interest all the way back from the purchase date at the card’s regular APR of 23.99% (V).
The Shell Gas card has a $0 annual fee and offers savings of 30¢/gallon (up to 20 gallons) on the first 5 Shell fuel purchases made by 6/30/2019. Plus, save 10¢/gallon (up to 20 gallons) at the pump every time. There’s a 10% rebate on non-fuel purchases, up to $1,200 per year. The card can only be used at Shell and requires fair credit.
Lastly, the Merchants Tire Credit Card has a $0 annual fee and offers % deferred interest for 12 months on purchases of $699 or higher. Its regular APR is 30.74% (V). It can only be used at Merchants Tire, Tire Kingdom, NTB and participating Exxon and Mobil stations. The card requires fair credit.
The easiest Citi cards to get come with limitations. They offer low minimum credit limits, high interest rates and few rewards and benefits. And with the Citi store cards, beware of deferred interest promotions. Deferred interest means that there’s 0% interest as long as the balance gets paid in full by the end of the promotion. If it’s not paid in full, the Citi charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
It may also be beneficial to look outside of Citi to some of the easiest cards to get from other issuers. The Discover it Secured card is just as easy to get as the Citi Secured Mastercard, and it even offers rewards.
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%.
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.
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.