Theresa Chalfant, Writer
@theresa_chalfant
The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it’s their only consumer card that requires excellent credit to qualify. You also need to join Costco if you’re not already a member and earn enough income to afford monthly payments on the card. It is a good option for Costco members, though, as it offers bonus cash back on everyday purchases for a $0 annual fee.
Most Citi credit cards are available to people with good credit, and there are several options for fair credit scores as well, so it’s easier to get a card from Citi than from some other issuers. Your eligibility will also depend on your income, and you must be at least 18 years old and have an SSN, ITIN, or passport to qualify for these cards.
Credit Score Requirements for Popular Citi Credit Cards
| Credit Card | Minimum Credit Required |
| Excellent | |
| Good | |
| Good | |
| Good | |
| Good | |
| Good |
You can get a better sense of whether you’ll be approved for a particular Citi card if you receive a pre-approved offer. Unfortunately, you can’t check yourself using their pre-qualification page right now. However, it helps to at least know your credit score before you qualify, which you can check for free on WalletHub.
Popular Credit Cards from Citi, Our Partner
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Initial Bonus
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Cash Back
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0% Intro Rates:
People also ask
How hard is it to get a Citibank credit card?
It is hard to get some Citibank credit cards, particularly Citicards that require a good to excellent credit score. Citibank also requires you to have an SSN when you apply online, and you need enough income to afford the monthly bill payments. Fortunately, Citibank also has credit card options for people with limited or good credit, which means you can find a Citi credit card if you're just starting out or looking to build credit.
... read full answer by Lisa Cahill, Credit Cards ModeratorWhat is the easiest Citibank credit card to get?
The Citi® Secured Mastercard® is the easiest Citi credit card to get as it’s the only Citi card that will accept applicants with limited credit (less than 3 years of credit history). The Citi Secured card requires a $200 refundable security deposit, but it has a $0 annual fee.
There are a few Citi cards available for people with fair credit, namely some Citi store cards. Just note that store credit card purchases are limited to the affiliated merchant or their website.
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read full answer by Theresa Chalfant, WriterWhat is the top tier Citi credit card?
The top-tier Citi credit card is the Citi Strata Premier® Card. It rewards cardholders with up to 10 points / $1 on purchases and offers an initial bonus of 60,000 points for spending $4,000 in the first 3 months, making it Citi’s best rewards card.
Top-Tier Citi Credit Cards in 2026
- Citi Strata Premier® Card: Bonus Rewards
- Citi Double Cash® Card: Cash Back
- Citi Custom Cash® Card: Customized Rewards
- Costco Anywhere Visa® Card by Citi: Travel & Dining
- Citi® Diamond Preferred® Card: 0% Intro Rates
- Citi® / AAdvantage® Executive World Elite Mastercard®: Airline Credit Card
Top-tier Citi cards typically provide bonus rewards in...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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