The minimumCitibank credit cardrequirements include being at least 18 years old with a valid U.S. address and enough income to make credit card payments. Most Citi credit cards require good credit or better (a credit score of 700+), but there areoptionsfor lower credit scores, as well.
While online applications require a Social Security number (SSN), some Citi credit cards also accept an ITIN along with a copy of a passport, or a government-issued ID for applications submitted inCitibank branches.
Citi Credit Card Requirements
- Age:Applicants must be at least 18 years old. TheCredit CARD Actemphasizes that applicants under 21 need to be able to prove that they have an independent source of income that is enough to make credit card payments. If you're under 18, you may become anauthorized useron someone else's Citi credit card account.
- Social Security Number: Online applicants need an SSN. Some Citi credit cards accept an ITIN along with copies of passports, national ID's, or other government-issued ID's as substitutes. But these applications will have to be submitted at aCitibank branch.To find out more about which credit cards and branches accept applications with no SSNs, call Citibank's application department at(800) 456-4277.
- Personal and financial information:Applicants are required to provide personal information such as their name, address, phone number, email, country of citizenship, and date of birth. The address on the application has to be a physical location, and not a P.O. Box.In addition to this, Citibank also asks for financial information such as your total annual income (this can include salary, wages, interest, dividends, rental income, retirement benefits and more), and monthly mortgage/rent payments.
- Credit requirements: Most Citi credit cards require a good to excellent credit score of 700 to 750+ for approval, but there are options for people with lower scores as well. Perhaps the most popular option, Citi Double Cash, is available to people with fair credit or better.
Citibank verifies all info provided on the applications to ensure each applicant meets its minimum credit card requirements. If you knowingly report any inaccurate or misleading information on a credit card application, you are committing fraud.
If you don't know where you stand as far as your credit score goes, you cancheck it for free, right here on WalletHub. It's also worth checking out our editor's guide onhow to improve your credit score.
This answer was last updated on 05/27/24 and it was first published on 06/25/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.
FAQs
Citi Credit Card Requirements
- Age: Applicants must be at least 18 years old. ...
- Social Security Number: Online applicants need an SSN. ...
- Personal and financial information: Applicants are required to provide personal information such as their name, address, phone number, email, country of citizenship, and date of birth.
What are the requirements for a Citi credit card? You will need a fair to excellent credit score to qualify for the best Citi credit cards. A fair score is generally considered 580 to 669, a good credit score ranges from 670 to 739 and an excellent score is 740 and above.
What is the eligibility of Citi credit card? ›
Emirates Citibank Ultima Credit Card
The applicant must be a UAE resident. The applicant must have a good credit score. The applicant must have a minimum monthly income of AED 36,750.
What is the minimum income for Citibank credit cards? ›
How much income do you need for a Citibank credit card? Citibank does not have a specific minimum salary requirement for its credit cards, though applicants must report an annual income sufficient to make a card's minimum payment every month.
Is Citi credit card hard to get? ›
Most cards offered by Citi require a good to excellent credit score—670 to over 800. The cards with such requirements are some of the most rewarding cards offered, but there are options if your score is not quite at that level.
What is the easiest Citi card to get approved for? ›
The Citi® Secured Mastercard® is the easiest Citi credit card to get because 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.
What is the minimum salary for Citibank credit card? ›
Ans: The bank offers 4 main types of credit cards — Basic, Cashback, Rewards, and Emirates Skywards credit cards. Q4: What should be the minimum salary to apply for a Citibank credit card? Ans: You should have a minimum monthly salary of AED 5,000 to be eligible to apply for a Citibank credit card.
What's the easiest credit card to get? ›
The Discover it® Secured Credit Card is our top pick for easiest credit card to get because it's geared toward those with limited / poor credit. It offers great rewards and charges a $0 annual fee.
What is the minimum credit limit for Citibank? ›
The usual Citibank credit card limit is $200 to $2,000 at a minimum, depending on the card. The Citi Double Cash® Card has a $500 minimum credit limit, for example, while the Citi Strata Premier℠ Card has a minimum credit limit of $2,000. Citibank doesn't publicly disclose any maximum credit limits.
What is the eligibility for Citibank credit cards? ›
Citi Cash Back+ Credit Card Requirements
| Singapore Citizens / PRs | Foreigners / Expats |
|---|
| Age | 21 and above | 21 and above |
| Income | $30,000 | $42,000 |
1 more rowIf you do not match the salary criteria stipulated by Citibank your application will be rejected. There is also the other scenario where though you have higher income your application might have been rejected. This is because you might have lower disposable income which might not satisfy the bank's criteria.
How long does Citi take to approve a credit card? ›
How Long Does Citi Take To Approve Credit Cards? Citi will notify you by mail seven to 10 days after submitting your application. If you don't hear back within this period, your application may need to be reassessed. Don't assume, however, that this means you've been rejected.
What FICO score does Citibank use? ›
What score model does Citi use and why is the score range different from others? There are various score models available in the marketplace. The FICO® Score we deliver is based on data from Equifax using the FICO® Bankcard Score 8 model. This model has a FICO® Score range of 250-900.
Does Citi verify income? ›
If applying for a loan or line of credit, you will also be asked to supply information about your source of income. Please be aware that Citi® will verify the information you provide before approving your application.
How accurate is Citi pre-approval? ›
That said, preapprovals aren't a guarantee that your application will be approved. Still, preapprovals may be the best way to avoid the double whammy of a rejection and a credit score hit. Here's what you need to know about Citi's pre-qualification online tool and other ways of getting a Citi card preapproval.
What is the minimum credit limit for Citibank credit card? ›
The usual Citibank credit card limit is $200 to $2,000 at a minimum, depending on the card. The Citi Double Cash® Card has a $500 minimum credit limit, for example, while the Citi Strata Premier℠ Card has a minimum credit limit of $2,000. Citibank doesn't publicly disclose any maximum credit limits.
What are the easiest credit cards to get approved for? ›
Secured credit cards and those designed for individuals with poor or limited credit are typically the easiest to get approved for. Cards such as the OpenSky® Secured Visa® and the Capital One Platinum Secured Credit Card are good examples.
What are the requirements to open a Citibank account? ›
To apply online, you must be a U.S. citizen or a U.S. resident alien and at least 18 years old. You'll need to provide a physical address in the U.S., date of birth and applicable identification documentation which may include a Social Security Number or Individual Taxpayer Identification number.
