What credit score do you need for Citi Double Cash?

Question

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 accepts applicants with limited credit history.… read full answer

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

Citi credit score requirements:

Limited History: For those with little or no credit history, the Citi Secured 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 Office Depot 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. But the only excellent-credit-only option is the 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.

If you’re not sure which Citi credit card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card online. Citi might also 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.

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Answer 1 · 2021-12-10 11:36:06

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WalletHub, Financial Company

@WalletHub • 12/10/21 This answer was first published on 10/30/17 and it was last updated on 12/10/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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You need a credit score of 700 or higher to get approved for the Citi Double Cash Card. Citi Double Cash applicants need good credit or excellent credit to qualify, and a 700+ credit score satisfies the card's requirement. 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.

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 Card 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. 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.

Adam Lee @adaml_66

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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

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Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.

Answer 2 · 2018-03-20

Adam Lee @adaml_66

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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.

Answer 3 · 2017-10-30

Grayson Moot @grayson_moot

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Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.

Answer 4 · 2020-03-19 22:28:16

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Rishabh, Member

@rishabhganguli1999 • 03/19/20 This answer was first published on 03/19/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

@jackp_32

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no way with 626 score,when they say u need at least 700 Fico score

Rishabh @rishabhganguli1999

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Also my annual income is around $30k.

Answer 5 · 2021-05-30

@jackp_32

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no way with 626 score,when they say u need at least 700 Fico score

Answer 6 · 2020-03-19

Rishabh @rishabhganguli1999

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Also my annual income is around $30k.

Answer 7 · 2020-11-10 17:44:02

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texasnugent, Member

@texasnugent • 11/10/20 This answer was first published on 11/10/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Answer 8 · 2020-10-04 16:22:09

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Rey, Member

@DebtCrusher • 10/04/20 This answer was first published on 10/04/20. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Answer 9 · 2019-01-12 15:44:50

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stephanieenglescotter, Member

@stephanieenglescotter • 01/12/19 This answer was first published on 01/12/19. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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!!

Answer 10 · 2018-06-09 19:27:07

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Deanna Visalle, Member

@deannav_4 • 06/09/18 This answer was first published on 06/09/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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%.

Deanna Visalle @deannav_4

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I know this is late for you but may help others. For me, yes. The initial credit limit was $3,500.

Angie Brantley @angiekayeb

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Can I ask if they gave you a high enough credit limit to take advantage of the 0% APR?

Answer 11 · 2021-04- 6

Deanna Visalle @deannav_4

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I know this is late for you but may help others. For me, yes. The initial credit limit was $3,500.

Answer 12 · 2018-06-23

Angie Brantley @angiekayeb

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Can I ask if they gave you a high enough credit limit to take advantage of the 0% APR?

Answer 13 · 2018-01-24 16:04:12

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Timothy Baker, Member

@tether52 • 01/24/18 This answer was first published on 01/24/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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700 is the safe spot, but you could go lower with a good income. Good luck!

Answer 14 · 2021-03-18 21:38:39

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demingtravis, Member

@demingtravis • 03/18/21 This answer was first published on 03/18/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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I qualified with 750 so i guess you’ll need a minimum of 700 to be considered. If you need to boost your credit fast and erase debts, contact [email protected] or call 469-225-9325

Answer 15 · 2018-01-12 15:34:26

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Nathan Preston, Member

@nathan_preston • 01/12/18 This answer was first published on 01/12/18. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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Yeah, you need a good credit score for this card, so you should have at least 700 to have a shot.

What credit score do you need for Citi Double Cash?

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