Citi® Secured Mastercard® is an option for customers with little or no credit history and can help you build your credit when used responsibly.
The best Citi credit card for bad credit is the Citi® Secured Mastercard® credit card because it has high approval odds as a secured credit card. It is open to applicants with limited credit, but there are some online forum reports of consumers getting accepted with bad credit. There are no guarantees, though.
What Credit Score Do You Need To Get Approved for a Citi Card? 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.
If you have a credit score of 500, the easiest credit cards to get will be secured credit cards that require a deposit, such as the Discover it® Secured Credit Card or U.S. Bank Cash+® Visa® Secured Card.
Yes, it is fairly hard to get the Citi Custom Cash® Card because it requires at least fair credit for approval. Unless your credit score is 640 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Custom Cash.
You can apply for a Citi credit card online, in a branch, or by calling (800) 248-4226. Applying for a Citi credit card online is the best approach because you can access the Citibank website anytime, and you may receive an instant decision.
In conclusion, the Citi Custom Cash isn't hard to get. However, it may be more difficult to get than some other cards, but it's not impossible. If you have a good credit score, a stable income, and a low debt-to-income ratio, you may be a good candidate.
The Discover it® Secured Credit Card is our pick for the easiest credit card to get because it is designed for people with low credit scores. It comes with a $0 annual fee, great cash back rewards and a sign-up bonus for new cardmembers.
One of the best credit cards for a 480 score is the OpenSky® Secured Visa® Credit Card because it does not require a credit check and its annual fee is relatively low at $35. This credit card requires a security deposit of at least $200 to open the account.
Your income and credit score are most important
Citi looks at your whole financial profile and credit history during the application process. But the two factors that matter most in determining your credit limit are your income and credit score.
Frequently asked questions (FAQs) Does Citi do a soft pull for preapproval? If Citi sends prescreening offers to prospective customers, those will use a soft credit pull, which means there is no impact to your credit. What credit score do I need to get a Citi credit card?
Credit cards offered by Citi
Secured cards like the Citi® Secured Mastercard® and rewards cards like the Citi Custom Cash® Card can be great choices if you're looking to apply for a first credit card.
The Citi Simplicity Card credit score requirement is 700 or higher. This means that you need at least good credit to get this card. It is also worth noting that you never can be 100% sure whether you'll be approved just by credit score alone.
It's possible for Citi to use any of the three major credit bureaus for credit card approval: Equifax, Experian, and TransUnion. More specifically, Citi can use one or two of the three credit bureaus when it reviews credit card applications, depending mostly on your previous relationship with Citibank.
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide.
The best credit card overall is the Wells Fargo Active Cash® Card because it gives 2% cash rewards on all purchases and has a $0 annual fee. For comparison purposes, the average cash rewards card gives about 1% back. Cardholders can also get an initial bonus of $200 cash rewards after spending $500 in...
You can still get approved for a credit card without a credit history. In fact, there are credit cards designed for people with no credit, such as secured cards and student cards. You'll want to pay attention to features like fees and interest rates when shopping for your first credit card.
Your credit score is too low. You don't have enough income. You have too much debt relative to your income. There are too many recent inquiries on your credit report.
Despite its high cash-back rate, the Citi Double Cash Card is relatively easy to qualify for as a new customer. According to Mastercard, applicants with fair to excellent credit are eligible for the card, meaning those with a FICO score of 580 or higher may qualify.
Your Citi Custom Cash approval odds are good if you have a credit score of 640+, which is considered fair credit. Approval odds for the Citi Custom Cash will also be influenced by your annual income and existing debts. Applicants will need to be 18+ years old with a U.S. mailing address and an SSN , as well.
You can apply for a Citi credit card over the phone by calling our consumer line 1-800-347-4934. This option gives you the speed of an online application with the added benefit of easier access to customer service representatives.