You can qualify for Citi Simplicity Card pre-approval by receiving a pre-approved offer by Citi in the mail.
Ultimately, it is worth nothing that Citi used to allow you to check which credit cards you pre-qualify through its free online tool. But they have removed the pre-approval form from the website and simply direct users to their credit cards page. This may just be temporary.
The Citi Simplicity Card credit score requirement is 700 or higher, meaning 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.… read full answer
Having that said, it would be better to check your score and only apply if it's 700+.
Yes, Citi can pre-qualify you for a credit card using their online pre-qualification page, though the pre-qualification tool is not currently working. While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning again.
When the pre-qualification page is working again, you can see if you pre-qualify for any Citibank credit cards by providing some personal information, such as your name, your mailing address, and the last four digits of your Social Security number. Citibank will then conduct a … read full answersoft inquiry on your credit score, which won’t hurt your credit in any way, before showing which cards you prequalify for.
Enter your name, address, and the last 4 digits of your Social Security number.
Select which card benefit, if any, matters most to you from the dropdown menu.
Check the box acknowledging you know this isn’t a credit card application and won’t affect your credit score.
Click “See your card offer.”
You’ll find out which Citi cards you have good approval odds for almost immediately after you submit your information. If you’d like, you can apply for one of those cards right away. Pre-qualification doesn’t guarantee approval, but it does give you around a 90% chance of approval if you choose to apply.
Citi might also mail you a pre-qualified credit card offer. The downside to this is that you only get an offer for one card as opposed to the potential for several online. If you received your offer by mail, you can either fill out the enclosed application and mail it back, or type in the invitation number on the “Respond to a mail offer” tab of the pre-qualification page.
The easiest Citi card to get is the Citi® Secured Mastercard® because it is the only one that will accept applicants with limited 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.
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.
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.
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