What is the Citi Double Cash credit score requirement?

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
• Best Buy Store Card – 640 credit score needed
• Shell Gas Card – 640 credit score needed
• Merchants Tire Credit Card – 640 credit score needed

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.