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What Credit Score do I Need to Get Approved for a Citi Credit Card?

Q. What credit score do I need to get approved for a Citi credit card?

A. Citibank offers a variety of credit card products, although most applicants will need a credit score of at least 670 to get approved for a new Citi credit card account of any kind. The higher your credit score, the lower the regular APR on your new card will be. The exception may be the Citi Platinum Select Card for College Students, which may accept applicants with less-established credit if they are full-time students.

In general, rewards credit cards like the Dividend Platinum Select card may require higher credit scores of 700 or higher whereas non-rewards credit cards like the Diamond Preferred Card may have lower credit score requirements.

Q. If I meet the minimum credit score requirements, will I be approved?

Not necessarily. It’s important to keep in mind that credit card companies, including Citi, take a lot of different factors into account when approving or denying new credit card applications such as FICO Score, total debt and available credit, income and work history, and any existing or previous relationship with Citi. Although a good credit score will increase your chances of approval, you can still be denied if you have a good credit score but don’t meet other requirements?

Q. How can I know if I will be approved for a Citibank credit card?

Unfortunately, there’s simply no way to know if you’ll be approved for a Citi card until you apply. Once you have picked the credit card you want, it’s best just to apply. You can even apply for multiple cards from different issuers at the same time to increase your chances of approval at one of the card companies. (In general, however, it’s NOT a good idea to apply for two cards at once from the same company—so do not apply for two Citi cards at once).

Good luck!

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