No, the Citi Rewards+® Card is not a good first-time credit card because it is only available to people with good credit or better. People who’ve never owned a credit card are unlikely to get approved unless they’ve built good credit through other means. There are plenty of good first-time credit cards on the market, though.
The credit score needed for the Citi Rewards+ Card is 700 or higher. This means you will need at least "good" credit to qualify for the Citi Rewards+ Card.
That’s quite a bit higher than the average American’s credit score, but it’s obtainable with a history of timely payments and low credit utilization. It might be possible to get approved with a slightly lower score if something else in your financial profile balances it out, like an especially high income. But it’s better to not take the risk and to only apply with a score of 700+.… read full answer
While the Citi Rewards+ Card credit score requirement is key to getting approved, it’s certainly not the only factor Citi looks at. Income is the other most important consideration, and Citi will also look at things like your credit history, income, existing debt load, the number of times you’ve applied for credit recently and more.
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 major credit bureaus… read full answer (TransUnion, Equifax and Experian).
More info regarding Citi credit cards score requirement
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.
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 6/30/2023, 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.
The best Citi Rewards+ Card benefits are EMV chip technology and monthly credit bureau reporting. These perks are certainly good to have, though it’s important to note that they are also relatively common benefits for credit cards.
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