The most difficult Citi card to get is the Costco Anywhere Visa® Card by Citi, since it’s their only consumer card that requires excellent credit to qualify. You also need to join Costco if you’re not already a member and earn enough income to afford monthly payments on the card. It is a good option for Costco members, though, as it offers 1 - 4% cash back for a $0 annual fee.
Most Citi credit cards are available to people with good credit, and with several options available to folks with fair credit scores as well, it’s easier to get a card from Citi than some other issuers. Your eligibility will also depend on your income, and you’ll need to be at least 18 years old and have an SSN, an ITIN, or a passport to qualify for these cards.
Credit Score Requirements for Popular Citi Credit Cards
| Credit Card | Minimum Credit Required |
| Excellent | |
| Good | |
| Good | |
| Good | |
| Good | |
| Fair | |
| Fair |
You can get a better sense of whether you’ll be approved for a particular Citi card if you receive a pre-approved offer. Unfortunately, you can’t check yourself using their pre-qualification page right now. However, it helps to at least know your credit score before you qualify, which you can check for free on WalletHub.
This answer was first published on 10/13/23 and it was last updated on 04/04/24. 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.
