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What credit score do you need to get the Citi Double Cash Card?

Aug. 21, 2022
11 min read
Someone checking their credit score on a smart phone
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Part of every award traveler’s strategy is owning a good cash-back rewards card.

The Citi® Double Cash Card provides up to 2% cash-back rewards — 1% when you buy and 1% when you pay — on every purchase with no limits, and can also fit nicely into a larger Citi ThankYou® Rewards-earning portfolio.

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If you’re considering applying for the Citi Double Cash Card, you may be uncertain whether you have a high enough credit score to be approved. Of course, your credit score is one of many considerations issuers take into account when deciding whether to approve you for a card. So, let’s look at what it takes to get approved for the Citi Double Cash Card.

What credit score required for the Citi Double Cash Card?

You can anticipate an excellent credit score of around 760* needed to be approved for a rewards card such as the Citi Double Cash Card. This being said, you may still be approved with a lower score if other aspects of your credit portfolio look appealing to Citi.

Citi doesn’t publish specific credit scores needed to be approved for its cards. Other factors that go into Citi’s qualification decision beyond your credit score include your income and the age of your accounts.

(Photo by Getty Images)
(Photo by Getty Images)

Related: Why the perfect credit score isn’t necessary

Is the Citi Double Cash a good card?

The Citi Double Cash Card earns up to 2% cash back on all purchases — 1% when you make a purchase and another 1% when you pay your statement — without charging an annual fee and without a limit on the cash-back rewards you can earn. If you’re looking for a cash-back rewards card to use on all your purchases or a cash-back rewards card to use on purchases outside the bonus categories on your other cards, the Citi Double Cash Card is a great choice.

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You can even convert the cash-back rewards earned on your Citi Double Cash Card to Citi ThankYou® Points via a linked ThankYou account. And, if you also have a premium Citi ThankYou card such as the Citi Prestige® Card or Citi Premier® Card, you can then transfer your rewards to book flights with any of Citi’s airline partners.

The information for the Citi Prestige has been collected independently by The Points Guy. The card details on this page have not been reviewed or provided by the card issuer.

There are a few downsides to the Citi Double Cash Card: a 3% foreign transaction fee and minimal perks. But, considering the earning rate and the lack of annual fee, the Citi Double Cash Card is still an appealing option for many consumers.

Related: Citi Double Cash Card review

How many card accounts can I have open?

Citi generally doesn’t limit the overall number of credit cards you can have open as Amex does. However, Citi seems to have a maximum credit line that it is willing to extend across all Citi cards.

So, if you get an “application pending” notice when you apply for the Citi Double Cash Card and you have at least one other Citi credit card, it may be worth calling Citi’s reconsideration line at 1-800-695-5171 to see if you can get approved by shifting some credit from one of your current cards to open the new card.

Related: How many credit cards should I have?

How to check your credit score

There are many ways to check your credit score for free. For example, many credit cards let you check your FICO score at no charge. This makes it easy to track your score’s progress over time, especially if you’re actively working to improve your credit score.

Credit Karma and Credit Sesame are two popular (and free) websites that allow users to see their TransUnion and Equifax VantageScore 3.0 credit scores.

(Screenshot courtesy of Credit Karma)

Related: Biggest factors that impact your credit score

Factors that affect your credit score

Before you start applying for any credit cards, it’s important to understand the factors that make up your credit score. According to myFICO, 90% of top lenders use FICO scores to make lending decisions. The formula for calculating your credit score isn’t exact, but FICO is transparent about the different factors they assess and how much weight each is given:

The factors that make up your FICO score. (Image source: FICO)
  • Payment history (35%): Whether you’ve paid past credit accounts on time.
  • Amounts owed (30%): The relative size of your current debt and the ratio of your current debt to your available credit.
  • Length of credit history (15%): How long your credit accounts have been established (including the age of your oldest account, the age of your newest account and an average age of all your accounts), how long certain credit accounts have been established and how long it has been since you used certain accounts.
  • New credit (10%): How many new accounts have you opened recently.
  • Credit mix (10%): How many different types of credit accounts you have, such as credit cards, retail accounts, installment loans, finance company accounts and mortgage loans.

Related: How credit scores work

What to do if you get rejected

If your application is rejected, you should receive a letter in the mail stating why Citi turned down your application. Depending on the reasons given for the rejection, you may want to use this information to improve your credit score before applying again. Or, if you believe you can provide additional information that might lead to approval of your application, you should call Citi’s reconsideration line at 1-800-695-5171 and make your case.

If you call the reconsideration line, explain that you recently applied for the Citi Double Cash Card, you were surprised to see that your application was rejected and that you’d like to speak to someone about getting that decision reconsidered. Once the agent pulls up your application, be prepared to present a compelling argument for why Citi should approve your application. You may have a better chance of success if you’re able to address Citi’s stated reason for rejection, such as having closed an account — if the reason was that you had too many open accounts.

Related: How bad is it to get denied for a credit card?

How long to wait before applying again

It’s best to avoid applying again for a Citi card until you’ve addressed the reasons Citi gave for rejecting you. But, if you want to apply again, the consensus is that you can only apply for one Citi card (personal or business) every eight days and no more than two cards in a 65-day window.

Related: The ultimate guide to credit card application restrictions

Consider other cash-back cards with no annual fee

There are many cash-back credit cards with no annual fee. The best card or cards for you will depend on many factors, but if you spend a lot in a specific category, you may want to get a card that earns a higher rewards rate in that category. Here are some of the most popular options, including the Citi Double Cash Card:

CardSign-up bonusRewards rateForeign transaction fee
Citi Double Cash CardNone.Up to 2% (1% when you buy and 1% as you pay) on everything3% of each purchase
Capital One Quicksilver Cash Rewards Credit Card$200 cash bonus once you spend $500 on purchases within three months from account opening1.5% on everythingNone
Chase Freedom UnlimitedIntro Offer: Earn an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) – worth up to $300 cash back!5% cash back on travel purchased through Chase Ultimate Rewards®, our premier rewards program that lets you redeem rewards for cash back, travel, gift cards and more;

3% cash back on drugstore purchases and dining at restaurants, including takeout and eligible delivery service

1.5% on all other purchases

3% of each purchase
Bank of America® Customized Cash Rewards credit card$200 cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening3% in your choice of one category and 2% at grocery stores and wholesale clubs (on the first $2,500 in a combined choice category/grocery store/wholesale club purchases each quarter, then 1%)

1% on other purchases

3% of each purchase
Blue Cash Everyday® Card from American ExpressEarn a $200 statement credit after you spend $2,000 in purchases on your new card within the first six months of card membership.3% cash back at U.S. supermarkets, U.S. gas stations and U.S. online retail purchases on up to $6,000 per calendar year in purchases for each category (then 1%),

1% on other purchases

Cash back is received in the form of Reward Dollars that can be redeemed for statement credits.

2.7% of each purchase (see rates & fees)
Capital One SavorOne Cash Rewards Credit Card$200 cash bonus once you spend $500 on purchases within the first three months from account opening3% on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart and Target)

1% on all other purchases

None

Related: Credit card showdown: Citi Double Cash vs. Chase Freedom Unlimited

Bottom line

The Citi Double Cash Card is one of our favorite cash-back cards thanks to a simple yet lucrative earnings rate. Earning 2% on all purchases is excellent, so you’ll want to make sure you qualify before you apply. Remember, there are other options if you get denied, such as calling the reconsideration line or applying for another cash-back card.

Apply here for the Citi Double Cash Card

Related guides:

Additional reporting by Ryan Wilcox and Stella Shon.

For rates and fees of the Amex Blue Cash Everyday, click here.

*The Points Guy credit ranges are derived from FICO® Score 8, which is one of many different types of credit scores. If you apply for a credit card, the lender may use a different credit score when considering your application for credit.

Featured image by CNYTHZL/GETTY IMAGES
Editorial disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airline or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

TPG featured card

Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review
Apply for American Express® Gold Card
at American Express's secure site

Rewards

3 - 4X points
4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.

Intro offer

60,000 bonus points
Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

Annual Fee

$250

Recommended Credit

670-850
Excellent/Good
Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees
Apply for American Express® Gold Card
at American Express's secure site
Terms & restrictions apply. See rates & fees
Best for the well-traveled foodie
TPG Editor‘s Rating
Card Rating is based on the opinion of TPG‘s editors and is not influenced by the card issuer.
4 / 5
Go to review

Rewards Rate

4XEarn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S.
4XEarn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
3XEarn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • Intro Offer
    Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.

    60,000 bonus points
  • Annual Fee

    $250
  • Recommended Credit
    Credit ranges are a variation of FICO© Score 8, one of many types of credit scores lenders may use when considering your credit card application.

    670-850
    Excellent/Good

Why We Chose It

There's a lot to love about the Amex Gold card. It's been a fan favorite during the pandemic because of its fantastic rewards rate on restaurants (that includes takeout and delivery in the U.S.!) and U.S. supermarkets. If you're hitting the skies soon, you'll also earn bonus points on travel. Paired with up to $120 in Uber Cash (for U.S. Uber rides or Uber Eats orders) and up to $120 in annual dining statement credits at eligible partners, there's no reason that the foodie shouldn't add this card to their wallet. Enrollment required.

Pros

  • 4x on dining at restaurants and U.S. supermarkets (on the first $25,000 in purchases per calendar year; then 1x)
  • 3x on flights booked directly with the airline or with Amex Travel
  • Welcome bonus of 60,000 points after spending $4,000 in the first six months

Cons

  • Weak on travel outside of flights and everyday spending bonus categories
  • Not as useful for those living outside the U.S.
  • Some may have trouble using Uber/food credits
  • Few travel perks and protections
  • Earn 60,000 Membership Rewards® points after you spend $4,000 on eligible purchases with your new Card within the first 6 months of Card Membership.
  • Earn 4X Membership Rewards® Points at Restaurants, plus takeout and delivery in the U.S., and earn 4X Membership Rewards® points at U.S. supermarkets (on up to $25,000 per calendar year in purchases, then 1X).
  • Earn 3X Membership Rewards® points on flights booked directly with airlines or on amextravel.com.
  • $120 Uber Cash on Gold: Add your Gold Card to your Uber account and each month automatically get $10 in Uber Cash for Uber Eats orders or Uber rides in the U.S., totaling up to $120 per year.
  • $120 Dining Credit: Satisfy your cravings and earn up to $10 in statement credits monthly when you pay with the American Express® Gold Card at Grubhub, The Cheesecake Factory, Goldbelly, Wine.com, Milk Bar and select Shake Shack locations. Enrollment required.
  • Choose the color that suits your style. Gold or Rose Gold.
  • No Foreign Transaction Fees.
  • Annual Fee is $250.
  • Terms Apply.
  • See Rates & Fees