How much income do you need for a Citibank credit card?

Citibank does not have a specific minimum salary requirement for its credit cards, though applicants must report an annual income sufficient to make a card’s minimum payment every month. Citibank is one of several major credit card issuers that do not publicly disclose a specific salary or income requirement.

Other Key Things to Know About Citibank Credit Card Income Requirements

• The annual income applicants must list on an application is not limited to wages from a job. Annual income could also include retirement benefits, investment income, rental income, and other assets. When entering your income information, it’s important to report everything honestly and accurately. Knowingly entering inaccurate or misleading information is considered credit card fraud and is a federal crime.
• Age impacts whose income you can use. Applicants under 21 years old will need to report a sufficient independent source of income. This enables Citibank to determine if the applicant can pay back any charges made with the card. Citibank does not allow co-signers on any of its credit card accounts. Applicants 21 and over can include another person’s income, such as a spouse’s salary, on their application if the funds are readily accessible to the applicant.
• Anecdotal reports provide some clues. Unofficial online reports from cardholders suggest that if you have good-to-excellent credit (a score of 700+), you may qualify for a Citibank credit card with an annual income as low as $13,000-$20,000. Your chances are always better with more income, though.
• Salary/income requirements are just one part of the application process. Citibank will also consider your credit history, credit utilization, recent credit inquiries, and more when it decides whether to approve your application.