Yes, it is hard to get the Citi Custom Cash℠ Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Custom Cash.
In order to get the Citi Custom Cash, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You’ll also need to have an SSN.
Keep in mind that even if you meet all of the requirements for the Citi Custom Cash, you’re never guaranteed to be approved.
The Citi Custom Cash℠ Card credit score requirement is 700 or better. That means people with good credit or better have a shot at getting approved for the Citi Custom Cash Card.
You should note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi Custom Cash Card, too. Some other key criteria include your income, existing debt load, number of open accounts, recent credit inquiries, employment status and housing status.… read full answer
If you excel in other areas, you might be able to get approved with a slightly lower credit score in some cases. But it’s best to wait to apply until you meet the Citi Custom Cash credit score requirement. You can check your credit score for free on WalletHub.
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).
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:
Citi Secured: Open to applicants with limited (less than 3 years of credit history). $0 annual fee.
Best Buy® Store Card: Fair credit or better (a credit score of 640+) required. $0 annual fee. Earns 2.5 points per $1 spent on Best Buy purchases.
Shell Gas Card: Fair credit or better (a credit score of 640+) required. $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 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.
A Citibank credit card application is always succeeded by a hard inquiry on your credit report. This will cause a slight dip in your credit score, but if you keep making the minimum monthly payments and you maintain a low credit utilization, it should bounce back in no time.
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