How do I apply for a Citi credit card?

You can check your Citi credit card application status either by using Citi’s online tool or by calling customer service at (888) 201-4523.

Citi may ask for your application ID, zip code, phone number, birthday and/or Social Security number to confirm your identity. It usually takes up to two weeks for Citi to reach a decision on your credit card application. If approved for an account, your card should arrive within 14 days of the decision. Citi does not offer expedited delivery.… read full answer

Here’s how to check your Citi credit card application status online:

1. Visit Citi’s status check page.
2. Input your application ID and zip code, or your phone number, zip code and birthday.
3. Click “check your status.”
4. Receive your Citi application status on the screen: approved, denied or still pending.

To check your Citi credit card application status by phone, just call (888) 201-4523. Press “1” for English and, then, press “2”. Lastly, enter your Social Security number. A Citi representative will give you the status of your application.

In the unfortunate event that your Citi credit card application ends up being denied, you can still ask for reconsideration. The number is (800) 695-5171. It’s a long shot, and you’ll have to prove your situation is better than it appeared on your application. But there’s no harm in trying.

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 has no minimum score at all.… read full answer

Below, you can see what Citi cards your credit score will allow you to pursue, along with other information about approval.

Here’s what else you should know about the credit score you need for a Citi credit card:

• 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.
• Fair credit (640-699): With fair credit, you have a good shot at getting one of Citi’s various store cards. These cards can only be used at their associated store. Some examples of store cards issued by Citi that require at least fair credit are Staples® Credit Card, Best Buy® Store Card and Goodyear Credit Card.
• Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get one of the best cashback cards on the market, Citi Double Cash Card, if you have at least good credit. Other cards that require at least good include Citi Simplicity Card, Citi Diamond Preferred and the Citi Rewards+ Card. And if you’re a frequent American Airlines flyer, the Citi® / AAdvantage® Platinum Select® World Elite Mastercard® also requires at least good credit while offering 2 miles / $1 spent at gas stations and restaurants and on America Airlines purchases (1 mile / $1 on all other purchases).
• 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. Some excellent-credit-only offerings include Citi Prestige (5 points / $1 spent on purchases at airlines, travel agencies and restaurants and 50,000 bonus points for spending $4,000 in the first 3 months) and 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.

Citi might 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.

The minimum Citibank credit card requirements include being at least 18 years old with a valid U.S. address and enough income to make credit card payments. Most Citi credit cards require good credit or better (a credit score of 700+), but there are options for lower credit scores as well. While online applications require a Social Security number (SSN), some Citi credit cards also accept an ITIN along with a copy of a passport, or government-issued ID for applications submitted in … read full answerCitibank branches.

Here are the Citi credit card requirements:

• Age: Applicants must be at least 18 years old. The Credit CARD Act emphasizes that applicants under 21 need to be able to prove that they have an independent source of income that is enough to make credit card payments. If you're under 18, you may become an authorized user on someone else's Citi credit card account.
• SSN: Online applicants require a Social Security Number. Some Citi credit cards accept an ITIN along with copies of passports, national ID's or other government-issued ID's as substitutes. But these applications will have to be submitted in a Citibank branch. To find out more about which credit cards and branches accept applications with no SSN's, call Citibank's application department at (800) 456-4277.
• Personal and financial information: Applicants are required to provide personal information such as their name, address, phone number, email, country of citizenship, and date of birth. The address on the application has to be a physical location, and not a P.O. Box. In addition to this, Citibank also asks for financial information such your total annual income (this can include salary, wages, interest, dividends, rental income, retirement benefits and more), and monthly mortgage/rent payments.
• Credit requirements: In addition to general requirements, each Citi credit card has its own requirements with regard to creditworthiness. Most Citi credit cards will require at least good credit (a score of 700+) for approval, but there are options for a broader spectrum of credit scores.

Citibank verifies all information applications to ensure each applicant meets its minimum credit card requirements. If you knowingly report any inaccurate or misleading information on a credit card application, you are committing fraud. Citi credit cards will also have specific credit score requirements. If you don't know where you stand, you can check your score for free, right here on WalletHub. It's also worth checking out our editor's guide on how to improve your credit score.