Chip Lupo, Credit Card Writer
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Yes, theCiti Double Cash Carddoes have pre-approval. Citibank has an onlinepre-approval pagewhere potential applicants can quickly check their odds of approval for certain Citibank credit cards before they actually apply for one. Current Citibank customers may also receive pre-approved offers periodically by e-mail or when logging into their card’s online account. And in some cases, Citibank will send people pre-approved offers for a specific credit card in the mail.
Getting pre-approved for a Citi Double Cash Card indicates that your chances of being approved for an account are very high, should you decide to apply. It does not mean that approval is guaranteed.
How to Check for Citi Double Cash Card Pre-Approval Online
- Visit the Citibank pre-approval page.
- Enter your full name, email, address, and the last 4 digits of your Social Security number.
- Select what type of credit card you are interested in (rewards, balance transfer, low intro APR, cash back, or “no preference”).
- Check the authorization box.
- Click “See my offers” to view any pre-approved offers.
If you are pre-approved online, you will see all Citibank credit cards that will give you the highest odds of approval, which may or may not include the Citi Double Cash Card. Once you are pre-approved, you can apply for the card of your choice directly from the pre-approval site. Simply click the button next to the card you want, and you will be directed to the card’s application page.
To respond to a Citi Double Cash Card pre-approved offer received in the mail, visit the website listed in your pre-approval letter and enter the invitation code included with your offer. This allows Citibank to flag the application as pre-approved.
Citi Double Cash Card pre-approvals do not affect your credit score, as they’re done using a soft “pull,” or inquiry. But if you decide to submit an application for the Citi Double Cash Card, Citibank will conduct a hard inquiry, which will lead to a slight, but temporary decrease in your credit score.
Citi® Double Cash Card – 18 month BT offer
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What credit score do you need for Citi Double Cash?
The credit score you need for the Citi Double Cash Card is 700+. This means you need at least good credit to get approved for this card. Simply having a 700 credit score does not guarantee approval, however. There are other factors in play, including how your income compares to your debt obligations, and your overall ability to make credit card payments.... read full answer
You can check your latest credit score for free on WalletHub, the only site with free daily updates, to get a sense of your Citi Double Cash Card approval odds. You will also get personalized credit improvement tips to help maximize your chances.
Finally, if you don’t think you have the kind of credit score needed for Citi Double Cash Card approval, that doesn’t mean you’re out of options. You can check out the rest of WalletHub’s picks for the best rewards credit cards to find an offer that suits your standing. Keeping your account in good standing by paying your bills on time and in full will help you improve your credit score and gain access to better credit card deals.
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Can Citi pre-qualify you for a credit card?
No, Citi cannot pre-qualify you for a credit card at the moment. Citi does have an online pre-qualification page, however, this tool is not currently working. While this seems like a temporary measure due to COVID-19, you’ll need to apply for Citi cards without getting pre-qualified until the page is functioning again. In the meantime, you can check if you get a “... read full answerpre-selected” offer, which means you fit some general criteria established by Citi and have around a 70% chance of approval.
When the pre-qualification page is working again, you can see if you pre-qualify for any Citibank credit cards by providing some personal information, such as your name, your mailing address, and the last four digits of your Social Security number. Citibank will then conduct a soft inquiry on your credit score, which won’t hurt your credit in any way, before showing which cards you prequalify for.
How to Check Which Citi Cards You Pre-Qualify For
- Go to Citi’s pre-qualification page.
- Enter your name, address, and the last 4 digits of your Social Security number.
- Select which card benefit, if any, matters most to you from the dropdown menu.
- Check the box acknowledging you know this isn’t a credit card application and won’t affect your credit score.
- Click “See your card offer.”
You’ll find out which Citi cards you have good approval odds for almost immediately after you submit your information. If you’d like, you can apply for one of those cards right away. 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. 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.
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What credit score do you need for a Citi credit card?
You need a credit score of at least 700 to get a Citi credit card in most cases. That means applicants for Citi credit cards need at least good credit to be approved. But it really depends on which card you’re after. Some Citi credit cards require higher scores, and one accepts applicants with limited credit history.... read full answer
Here are the Citi credit score requirements:
- Limited History: For those with little or no credit history, the Citi® Secured Mastercard® is a good option. A refundable security deposit of $200 is required. It doesn’t give any rewards, but it does come with a $0 annual fee and can help you build credit.
- 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.
- Good credit (700-749): Good credit opens you up to some of Citi’s more attractive credit card offerings. You can get one of the best cashback cards on the market – the Citi® Double Cash Card – 18 month BT offer. Some other good options include the Citi Simplicity® Card, the Citi® Diamond Preferred® Card and the Citi Rewards+® 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. But the only excellent-credit-only option is the Costco Anywhere Visa® Card by Citi (cash back oriented, offering 1 - 4% cash back on different spending categories).
- 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 a U.S. mailing address.
If you’re not sure which Citi credit card you’ll be able to qualify for, it’s easy to get pre-qualified for a credit card online. Citi might also send a pre-qualified credit card offer to potential customers. But while this increases your chances of approval, it does not guarantee it. If you have received such an offer, visit Citi’s web page and enter your invitation code and last name to apply.
Also, keep in mind that applying for a Citi or any other credit card triggers hard inquiries and can temporarily lower your score - the more inquiries over a short period of time, the more damage to your score. So, it’s best to know where you stand before applying for any credit card. You can check your credit score and track your progress for free, right here on WalletHub.
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