What are the Citi Double Cash Card requirements for approval?

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.… read full answer

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.

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.

If your Citi Double Cash Card application was denied, start by reviewing the letter from Citibank citing the reasons for denial. Some common reasons why a Citi Double Cash Card application might be rejected include a low credit score, numerous recent credit inquiries, a pending bankruptcy on your credit report, and incomplete or inaccurate information on the application.… read full answer

If you think your denial was based on inaccurate information, or if your financial picture has changed since you applied, you can call Citibank's reconsideration line at (800) 695-5171. If you request reconsideration, make sure you review the reasons for your initial denial and be prepared to make an argument for why you should be approved..

Otherwise, there are a couple of paths you can take. If the application was rejected because your credit score or income was too low, consider applying for a credit card with less strict approval requirements. You can use WalletHub's Card Advisor tool to find the most suitable options for you. Signing on to someone else's account as an authorized user is also an option as it will allow you to improve your credit score as long as the account is used responsibly. In time, you might be in a better position to qualify for the Citi Double Cash Card , which requires a credit score of 700, at a minimum. That means you need good credit or better for approval.