What is the Citi Rewards Plus Credit Score Requirement? This question is about the Citi Rewards+® Card

What is the Citi Rewards Plus Credit Score Requirement?

Answer Question Report Abuse

This question is about the Citi Rewards+® Card

Maria Adams, Credit Cards Moderator

@m_adams • 11/27/21 This answer was first published on 07/12/21 and it was last updated on 11/27/21.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.

Permalink Report Abuse

The credit score needed for the Citi Rewards+ Card is 700 or higher. This means you will need at least "good" credit to qualify for the Citi Rewards+ Card.

That’s quite a bit higher than the average American’s credit score, but it’s obtainable with a history of timely payments and low credit utilization. It might be possible to get approved with a slightly lower score if something else in your financial profile balances it out, like an especially high income. But it’s better to not take the risk and to only apply with a score of 700+.

While the Citi Rewards+ Card credit score requirement is key to getting approved, it’s certainly not the only factor Citi looks at. Income is the other most important consideration, and Citi will also look at things like your credit history, income, existing debt load, the number of times you’ve applied for credit recently and more.

Answer Question

What are the best credit cards for a 700 credit score?

One of the best credit cards for a 700 credit score is the Wells Fargo Active Cash® Card. This card offers 2% cash rewards on all purchases. Wells Fargo Active Cash also comes with an initial bonus of $200 cash rewards after spending $1,000 in the first 3 months and a $0 annual fee.

What to Know Before Getting a 700 Credit Score Credit Card

In general, you want to focus on cards that require good credit or below, since 700 is considered a good credit. Of course, there are other things that affect the application process, too. Some other key criteria include income and the number of recent inquiries on your report.... read full answer

A good way to figure out whether you’re eligible for a particular credit card with your 700 credit score is to check for pre-approval on the issuer’s website. If you’re pre-approved for a card, you’re not guaranteed approval, but your odds are high – usually around 80%. You can do a pre-approval check for most of the top credit cards for a 700 credit score.

Some of the Best Credit Cards for 700 Credit Score

Rates & FeesFlat Cash Back Rate: Wells Fargo Active Cash® CardWells Fargo Active Cash® CardLearn MoreLearn Moreon issuer's website
Travel Rewards: Capital One Venture Rewards Credit CardCapital One Venture Rewards Credit CardLearn MoreLearn More
Rates & FeesIntro APR: Wells Fargo Reflect® CardWells Fargo Reflect® CardLearn MoreLearn Moreon issuer's website
Rates & FeesTerms Apply Everyday Purchases: Blue Cash Preferred® Card from American ExpressBlue Cash Preferred® Card from American ExpressLearn MoreLearn Moreon issuer's website
Hotel Rewards: IHG® Rewards Premier Credit CardIHG® Rewards Premier Credit CardLearn MoreLearn Moreon issuer's website
Airline Rewards: Southwest Rapid Rewards® Priority Credit CardSouthwest Rapid Rewards® Priority Credit CardLearn MoreLearn Moreon issuer's website

As you may have noticed, several credit cards for 700 credit scores don’t have annual fees. So, you can pick up some great perks without having to shell out money for the privilege of having a card.

show less

What are the best credit cards for a 600 credit score?

One of the best credit cards for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card. This card rewards cardholders with 1.5 - 5% cash back on purchases. Plus, the card has a $0 annual fee.

Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are often much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount of the deposit. This deposit is fully refundable when you close your account with a $0 balance.... read full answer

Best Credit Cards for a 600 Credit Score

No Annual Fee: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Cash Back: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Low Regular APR: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
No Deposit: Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding CreditLearn MoreLearn Moreon issuer's website
Build Credit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
No Credit Check: OpenSky® Secured Visa® Credit CardOpenSky® Secured Visa® Credit CardLearn MoreLearn Moreon issuer's website

For more options, you can also check out our editors’ latest picks for the best credit cards for bad credit (600 credit score). Ultimately, to learn more, read WalletHub’s guides on secured credit cards and how to rebuild credit.

show less

WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.

WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by a WalletHub user. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.

Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.

Ask a Question

140

Ask Question

Ask Your Question

WalletHub Transparency

We are committed to being fully transparent with our readers. Opinions expressed here are the author’s and/or WalletHub editors'. WalletHub editorial content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any company. In addition, it is not any company’s responsibility to ensure all questions are answered.