Can Citi pre qualify you for a credit card?

The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited history credit history. This 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 Citi® Secured Mastercard®, which is designed for people with limited or no credit, nearly all other Citi personal and business credit cards aren’t as easy to get. It takes either good credit or excellent credit in order to get approved for cards such as the Citi® Double Cash Card or the Citi Premier® Card.

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 and the Shell Gas Card.

Citi store cards require at least fair credit for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card 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® – Limited History required
• Best Buy® Store Card – Fair credit required
• Shell Gas Card – Fair credit required

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. It has a $0 annual fee and offers 0% deferred interest for 6 to 24 months on purchases of $299 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 25.24% (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 6/30/2022. 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.

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 Credit Card card is just as easy to get as the Citi® Secured Mastercard®, and it even offers rewards.

The easiest unsecured card to get is the Fingerhut Credit Account. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer

If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.

Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.

Easiest Unsecured Credit Card to Get Approved For

• Fingerhut Credit Account: Overall
• Credit One Bank® Visa® Credit Card: Rewards
• Capital One® Spark® Classic for Business: Small Business
• Petal® 2 Visa® Credit Card: Limited Credit
• Deserve® EDU Mastercard for Students: Students

The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.

Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.

To learn more, check out WalletHub's complete list of the year’s easiest credit cards to get approved for​.

You need a good credit score to get approved for the Citi® Double Cash Card. That means applicants need a credit score of 700 or higher for good approval odds. 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. That’s actually one reason why we recommend applying for Citi Double Cash only if you have a credit score of 700 or higher.… read full answer

Most people think of “good” credit scores as ranging from 700 to 749. But it’s wise to adjust your sights a bit higher than the minimum for good credit 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.

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 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.