The Citi Rewards Plus card credit score requirement is 750+, which is excellent credit. 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 750+.
While the Citi Rewards Plus 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 existing debt load, the number of times you’ve applied for credit recently and more.
It makes sense that the Citi Rewards Plus card requires an excellent credit score. It offers very enticing rewards, 2 points per $1 spent on the first $6,000 in supermarket and gas station purchase per year, and 1 per $1 on all other purchases. But it rounds up to the nearest 10 points on every purchase – so even a $1 purchase gets you 10 points. The card also offers a solid introductory APR, with 0% for 15 months on purchases and 0% for 15 months on balance transfers.
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