You need a good credit score for a Citi credit card in most cases. So you’ll have a shot with a credit score of 660+, and your odds will be good with 700+. 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.
For example, some of the Citi credit cards that require good credit or better for approval include Simplicity (0% for 21 months on balance transfers), and Double Cash (2% cash back). Among the Citi credit cards you need excellent credit (a score of 750+) to get are ThankYou Preferred (2X points on dining and entertainment), Premier (3X points on travel), and the two Expedia cards. And even people with bad credit can get the Citi Secured Card.
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:
Bad credit (below 640): You only have one option for a Citi card if you have bad credit. That’s the Citi Secured Mastercard. It doesn’t give any rewards, but it does have no annual fee and can help you rebuild your credit. There’s a $200 minimum security deposit.
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 stores that offer fair credit cards through Citi are Staples, Best Buy and Goodyear.
Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get the best cashback card on the market, Citi Double Cash, with good credit, or the Citi Simplicity card.
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 ThankYou Preferred (15-month 0% APR), Expedia+ Voyager (travel rewards) and Citi/AAdvantage Executive World Elite Mastercard (airline miles).
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.
Check your credit score before applying for a Citi credit card. That will tell you which cards you have the best chances of getting. And you can check if you’re pre qualified for any Citi cards on their website.