Citi® Card Benefits - FICO® Score (2024)

FAQs

What FICO Score is needed for Citi credit card? ›

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.

The FICO^® Score Citi provides is based on information from your Equifax credit report based on the “as of” date included with your score. This may differ from scores you obtain elsewhere that may have been calculated at a different time using information from a different credit bureau or even a different score model.

What credit score do you need for a Citi Rewards+ card? To be approved for the Citi Rewards+ card, you'll likely need a good to excellent credit score (a FICO score of between 670 and 850).

Experian is the most commonly used source that Citi will draw a report from, but there's no guarantee that they won't decide to pull a different or additional report from another reporting agency. If you're not certain your score is good enough to be approved, you can work on improving your credit.

Generally speaking, a good credit score is 690 to 719 in the commonly used 300-850 credit score range. Scores 720 and above are considered excellent, while scores 630 to 689 are considered fair. Scores below 630 fall into the bad credit range.

Citi^® Secured Mastercard^® is an option for customers with little or no credit history and can help you build your credit when used responsibly. Unlike a debit card, Citi^® Secured Mastercard^® is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.

FICO 8 scores range between 300 and 850. A FICO score of at least 700 is considered a good score. There are also industry-specific versions of credit scores that businesses use. For example, the FICO Bankcard Score 8 is the most widely used score when you apply for a new credit card or a credit-limit increase.

Your FICO Score is a credit score. But if your FICO score is different from another of your credit scores, it may be that the score you're viewing was calculated using one of the other scoring models that exist.

You can be confident you're seeing a score many lenders actually use. Because FICO Scores are the most widely used scores, it is very likely the lender will check your FICO Scores when you apply for credit.

The credit score needed for the Citi Rewards+ Card is 700 or higher. This means you will need at least "good" credit to qualify for the Citi Rewards+ Card.

Is Citibank hard to get approved? ›

In fact, it's one of the easier top credit cards to open. You can qualify for it with fair credit (a FICO® Score of 580 to 669). Most of the best credit cards require good to excellent credit.

Yes, it is hard to get the Citi Rewards+® Card because it requires at least good credit for approval. Unless your credit score is 700 or higher and you have a lot of income, it will be difficult for you to get approved for the Citi Rewards+ Card.

Citi pulls credit data from all three credit bureaus depending on the applicant's home state. If you apply for a loan, Citi will review your score from all three bureaus. Citi credit cardholders also get complimentary access to FICO score information through Equifax.

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.

Multiple issuers, including some of the bigger names in the industry, make cards available to people with a credit score in the 600 range. Just keep in mind that credit score alone is not enough to qualify for any card; issuers take multiple factors into account when evaluating applications, including your income.

Your 825 FICO® Score is nearly perfect and will be seen as a sign of near-flawless credit management.

If you have a credit score in the good (670 to 799) to excellent range (800 or higher), you're likely to qualify for a card that earns rewards, like cash back or points. However, not all rewards cards or issuers have the same minimum credit requirements, so it's a good idea to research your options before you apply.

The Discover it® Secured Credit Card is one of the best secured cards that offers rewards, and it's available to people with limited or no credit. You'll have to put down a security deposit, but then you may be able to upgrade to the Discover it® Cash Back and get your deposit back once your credit improves.