What are the Citi Simplicity rewards?

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+.

Your Citi Simplicity® Card credit limit is at least $500, if you get approved. That’s the minimum limit listed in the card’s terms and conditions, but your maximum credit line could be as high as $100,000. It all depends on your credit history, your income, and any potential debt or liabilities you might have.… read full answer

Tips for Getting a Higher Citi Simplicity® Card Credit Limit

1. Watch your utilization. If you already have a credit card, try to use just a fraction of your available credit. Most sources say the magic number is around 30% or less. This will show Citi you’re not desperate.
2. Make more & spend less. Income and assets are a high credit limit’s friends. Lots of existing debt is not.
3. Wait if you need to. This credit card requires good credit for approval, for one thing. So, if you need some time to get your financial house in order before applying, take it.

If you get the card but not the credit limit you want, don’t worry too much. You can always ask for an increase later on. I’d wait at least 6 months, assuming you pay your bills on time.

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 … read full answermajor credit bureaus (TransUnion, Equifax and Experian).

More info regarding Citi credit cards score requirement

Aside from the Citi Secured, nearly all other Citi credit cards require good credit or better (a credit score of 700+) for good odds of approval. Some of these cards include the Citi Double Cash Card or the Citi Premier® Card.

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.

Here are some of the easiest Citi cards to get:

The Citi Secured is open to applicants with limited credit (less than 3 years of credit history). It has a $0 annual fee.

The Best Buy Store Card requires fair credit or better (a credit score of 640+). It has a $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.

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 6/30/2022, 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.

It may also be beneficial to look outside of Citibank to some of the easiest cards to get from other issuers. Aside from lenient approval requirements, some of these also offer rewards and have annual fees as low as $0. And they report to the three major credit bureaus. So, if you use them responsibly, you'll be able to build or rebuild your credit and have future access to some of the best Citi credit cards, or other excellent options from different issuers.