Citi Credit Cards

You can check which Citi cards you pre-qualify for online. To do so, you’ll need to give Citibank some personal information, like your name, address and last four digits of your Social Security Number, so they can check your credit. The credit check is a soft inquiry, meaning it won’t hurt your credit score in any way. Once you submit your information, you’ll almost immediately find out which Citi cards you’d have a good chance of approval for. Pre-qualification doesn’t guarantee approval, but it does give you around a 90% chance of approval if you choose to apply.

Citi might also mail you a pre-qualified credit card offer. The downside to this is that you only get an offer for one card as opposed to the potential for several online.

Here’s how to check which Citi cards you pre-qualify for:

1. Go to Citi’s pre-qualification page.
2. Enter your name, address, and the last 4 digits of your Social Security number.
3. Select which card benefit, if any, matters most to you from the dropdown menu.
4. Check the box acknowledging you know this isn’t a credit card application and won’t affect your score.
5. Click “See your card offer.”

You’ll now be able to see any cards for which you have good approval chances. If you’d like, you can apply for any of those cards right away.

If you received your offer by mail, you can either fill out the enclosed application and mail it back or type in the invitation number on the “Respond to a mail offer” tab of the pre qualification page.

To check your Citi credit card application status, use Citi’s online tool or call 1-888-201-4523 (800-645-7240 for business cards). Citi may ask for your application ID, zip code, phone number, birthday and/or Social Security number to confirm your identity. Your Citi card application status could be pending for up to 30 days. If approved for an account, your card should arrive within 14 days of the decision. Citi does not offer expedited delivery.

Here’s how to check your Citi credit card application status online:

1. Visit Citi’s status check page.
2. Input your application ID and zip code, or your phone number, zip code and birthday.
3. Click “check your status.”
4. Receive your Citi application status on the screen: approved, denied or still pending.

To check your Citi credit card application status by phone, call 1-888-201-4523. Press “1” for English. Then, press “1” for the Costco Visa Card or “2” for other cards. Enter your Social Security number. Get your application status from the Citi representative.

In the unfortunate event that your Citi credit card application ends up being denied, you can still ask for reconsideration. The number is 1-888-201-4523. It’s a long shot, and you’ll have to prove your situation is better than it appeared on your application. But there’s no harm in trying.

Citi Preferred Tickets is a program that gives Citi credit card and debit card users exclusive access to an allotment of tickets to live events. It’s part of Citi Private Pass, a broader program that helps Citi customers enjoy events and experiences, including concerts, sporting events, fine dining and more.

Citi Preferred Tickets are a good option for popular shows that are likely to sell out fast, as Citi cardholders often get access to presales. You may also be able to score VIP seating, artist meet-and-greets, and more. But Citi Preferred Tickets don’t get you much of a discount, if any.

Here is what you should know about Citi Preferred Tickets:

• Citi Preferred Tickets allows you to access select seats at certain concerts, sporting events, family entertainment, and upscale dining establishments.
• Current Citi Preferred Ticket offers include artists such as Dierks Bentley, Nicki Minaj & Future, and Lady Antebellum & Darius Rucker.
• To access the Preferred Tickets feature, visit citiprivatepass.com. You should see a list of events. If you find an event you’d like to attend, click the event image. Then click “Buy,” and you will be redirected to either LiveNation.com or TicketMaster.com to complete your purchase. You will need your passcode – the first 6 digits of your Citi card number – to access your tickets.
• In addition to preferred tickets, you can also get pre-sale tickets and VIP packages using the Private Pass program. You can access those features, if available, when you select the event you wish to attend.

Whether Citi Preferred Tickets is a good deal depends largely on your entertainment preferences. If you frequently attend live events and like the idea of getting first crack at the best seats or even VIP treatment, that might outweigh the possibility of getting a discounted ticket elsewhere.

If grabbing great seats is not a priority, you’re better off going straight to the ticket vendor’s website. There, you’re not restricted to paying for your tickets with just a Citi card. And you can get seats anywhere in the venue, not just where they’re reserved by Citi.

Also, keep in mind that these events usually take place in large cities. If you don’t live near one, you might not find much value in Citi Preferred Tickets or the other Private Pass features.

You can easily add a Citi travel notification to your account online. Just sign in, click “Services” followed by “Travel Services,” and select “Add a Travel Notice.” Then, enter your travel information and submit. It’s best to set a Citi travel notification for your credit card or debit card any time you’re taking a trip. This will prevent your account from being suspended due to suspected fraud when you’re in an unusual area. You’re never required to add a travel notice to your Citibank account, but it’s always a good idea for both foreign and domestic travel.

What exactly constitutes “travel” comes down to your judgement. You don’t need to set an alert every time you drive to the grocery store. But if you’re visiting a place well outside your daily geographic radius, it’s a good idea.

Here’s how to set a Citi travel notification:

1. Sign into your Citi account online.
2. Click “Services,” then “Travel Services.”
3. Select “Add a Travel Notice.”
4. Enter your destinations as well as the dates of your departure and return.
5. Verify the phone number and email address that Citi has on file are up to date.

A travel alert lets Citi know that charges from a new location don’t mean you’re a victim of fraud. So it helps you avoid Citi putting a temporary hold on your card while you’re away. You can cancel or update your Citi travel notification at any time by logging in and changing your information. It only takes a few minutes and could potentially prevent a major inconvenience on your trip.

If your card is declined while traveling, you can call customer service at 1-800-950-5114 and enter your card number to speak to a representative who can help. Internationally, you can make a collect call to 210-677-0065.

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.

The best Citi travel credit card is American Airlines AAdvantage Gold if you’re looking for airline miles, the Expedia+ card if you’re a frequent Expedia user, or Citi Premier℠ Card for general travel expenses. If you’re a Costco member, you could also look into the Costco Anywhere Visa, since it has no foreign transaction fees and rewards you for gas and other travel.

Here are the best Citi travel credit cards:

• American Airlines AAdvantage Gold: 25,000 miles for spending $750 in the first 3 months. 1 mile per $1 on all purchases. 25% savings on American Airlines food and beverages. 3% foreign transaction fee. $50 annual fee waived the first year. Good credit needed.
• Expedia+ Card: 15,000 points for spending $1,000 in the first 3 months. 3 points per $1 on Expedia purchases, 1 on everything else. Expedia+ silver status gets you exclusive amenities like free drinks or spa access. 3% foreign transaction fee. No annual fee. Excellent credit needed.
• Citi Premier℠ Card: 50,000 bonus points for spending $4,000 in the first 3 months. 3 points per $1 on travel (gas included), 2 on dining and entertainment, 1 on everything else. No foreign transaction fee. $95 annual fee waived the first year. Excellent credit needed.
• Costco Anywhere Visa: 4% cash back on $7,000 spent on gas each year, 3% on restaurants and travel, 2% at Costco, 1% everywhere else. No foreign transaction fee. No annual fee. Excellent credit needed. Must be a Costco member ($55+ per year).

While travel credit cards can have great rewards and perks, you don’t necessarily need one to save on travel. For example, Citi Double Cash offers 2% cash back on all purchases. The only issue is that cash back cards usually charge foreign transaction fees (3% for Double Cash) so they’re not always ideal for going abroad.

The Citibank foreign transaction fee is 0% or 3% of purchases processed internationally, depending on the card. Citi travel rewards cards such as the AAdvantage Mastercard and the Costco Anywhere Visa have no foreign transaction fees. But when you spend money abroad with other Citi credit cards, like Double Cash or Simplicity, you’ll have to pay an extra 3% on whatever you buy.

That could cramp anyone’s style, whether you’re traveling or just shopping online. So it’s good to know there are several Citibank credit cards with no foreign transaction fee. Some of the most popular Citi cards without foreign fees include ThankYou Premier, AAdvantage Platinum Select and Expedia+ Voyager. However, just because these cards have no foreign transaction fees doesn’t mean they’re free. Most charge annual fees.

If you want a Citi credit card with no foreign transaction fees and no annual fee, consider the Costco Anywhere Visa. It gives unlimited 3% cash back on travel and restaurant purchases. You also get 4% back on gas purchases, up to the first $7,000 spent each year, among other perks.

The Citi Double Cash extended warranty was cut by Citi in September of 2019. Before that, the card's extended warranty added 24 months of coverage to many manufacturer's warranties, for up to $10,000. Citi Double Cash and Citi Dividend were the 2 Citi cards that lost their extended warranty benefits.

There are other credit cards that offer extended warranty benefits, though. Try the Citi Premier Card, which offers 2 years of extra manufacturer's warranty time to purchases. Citi Premier's annual fee is $95.

Citibank credit card limits are $500 to $5,000 to start, depending on the card. Citi Double Cash, Citi Simplicity and Citi Diamond Preferred have $500 minimum credit limits. At the other end of the spectrum, the Citi AAdvantage Executive card has a minimum credit limit of $5,000. Citibank doesn’t publicly disclose any maximum credit limits.

You won’t know your actual credit limit until you’re approved for your Citibank credit card. The limit you get depends on your credit standing, income and debt. If you don’t get the credit limit you want, you can choose not to open the account. Or, if you decide to accept the limit that’s offered, you can always request a credit limit increase after you’ve made several months of on time payments.

To do a Citibank cash advance, you can either withdraw funds from an ATM or visit a local Citibank branch and ask the teller for a cash advance. For ATM transactions, you will need to request a 4-digit PIN from Citi customer service if you did not receive one after being approved for an account. Lastly, you can use convenience checks (checks that access your card’s credit line) to make a cash withdrawal. Depending on your credit standing, you may be able to withdraw up to 50 percent of your credit limit.

Cash advances are expensive, so it’s best to avoid them whenever possible. That’s true with all credit card companies, and Citibank is no exception. Citi’s cash advance fee is 5% of the amount withdrawn, and it can’t be lower than $10. There may be additional bank fees if you withdraw cash from an ATM.There’s also a separate APR for cash advances. It’s typically higher than the card’s regular APR.

The Citibank cash advance APR can be as high as 27.49% (V), depending on the card and your creditworthiness. Cash advances accumulate daily interest from the time you make the transaction, with no grace period. New interest is added on top of any existing interest charges each day. So it’s best to pay off your Citibank cash advance as soon as you can, or better yet, just stay away from cash advances altogether.