What credit score do you need for Citi Double Cash?

The credit score you need for  the Citi Double Cash Card is 700+. This means you need at least good credit to get approved for this card. 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. You will also get 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.

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. 

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.

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!!

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%.

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

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

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