What are the minimum Citibank credit card requirements?

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 Citibank 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 info provided on the 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.