The Citi Simplicity Card credit score requirement is 700 or higher. This means that you need at least good credit to get this card.
It is also worth noting that you never can be 100% sure whether you’ll be approved just by credit score alone. Your credit score is only one of the aspects Citi will look at when making a decision on your application. Your debt, annual income, and any past negative marks on your credit report will also matter.
Having that said, it would be better to check your score and only apply if it's 700+.
It's possible for Citi to use any of the three major credit bureaus for approval: Equifax, Experian, and TransUnion. Citi tends to use at least two of the three credit bureaus when it reviews credit card applications, according to customer service. Where you live may factor into which credit bureau Citi uses, too.… read full answer
When Citi checks an applicant’s credit report through one of the credit bureaus, it makes a “hard inquiry” or “hard pull.” A hard inquiry may cause your credit score to drop a few points. Plus, it will stay on your credit report for two years, though it only affects your score for the first year.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited credit (less than 3 years of 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 all three major credit bureaus… read full answer (TransUnion, Equifax and Experian).
More info regarding Citi credit cards score requirement
However, there are a number of store cards that also make it among the easiest Citi cards to get. Citi store cards require at least fair credit (a credit score of 640+) for approval. But purchases are limited to the affiliated merchant or its website. The Best Buy® Store Card and the Shell Gas Card, for instance, are among the many store cards that also have a full-fledged co-branded version on either the Visa or Shell Credit Card 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.
To get the Shell Gas Card, you need fair credit or better (a credit score of 640+). It has a $0 annual fee. Offers savings: 30¢ per gallon (up to 35 gallons) on your first 5 Shell fuel purchases made by 6/30/2023, after that 10¢ per gallon (up to 20 gallons) every time you fill up, 10% Shell rebates on your first $1,200 Shell non-fuel purchases (per year).
The Sears Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee.
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, Citibank charges interest on the original purchase amount from the date of purchase, at the card’s regular APR.
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.
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.
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