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

Jun 3, 2021

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Editor’s note: This post has been updated with new information. Citi is a TPG advertising partner. 


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.

In This Post

Credit score required for the Citi Double Cash Card

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

Citi doesn’t publish specific credit scores needed to be accepted for its cards. And, other factors go into Citi’s qualification decision beyond your credit score include your income and the age of your accounts. But, 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.

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.

(Photo by John Gribben for The Points Guy)
(Photo by John Gribben/The Points Guy)

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 16 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, no sign-up bonus 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

(Screenshot courtesy of Credit Karma)

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.

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.

Card Sign-up bonus Rewards rate Foreign transaction fee
Citi Double Cash Card None Up to 2% (1% when you buy and 1% as you pay) on everything 3% of each purchase
Capital One Quicksilver Cash Rewards Credit Card $200 cash bonus once you spend $500 on purchases within three months from account opening 1.5% on everything None
Chase Freedom Unlimited $200 bonus after you spend $500 on purchases in your first three months from account opening 5% on Lyft (through March 2022)

5% on travel purchased through Chase Ultimate Rewards

3% on drugstore purchases and dining at restaurants

1.5% on 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 opening 3% 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 Express Earn 20% back on Amazon.com purchases on the card within the first six months of card membership, up to $150 back. Plus, earn $100 back after you spend $2,000 in purchases on the card within the first six months of card membership. Cash back received in the form of statement credits 3% at U.S. supermarkets on up to $6,000 per calendar year in purchases (then 1%)

2% at U.S. gas stations and select U.S. department stores

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 opening 3% 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 a favorite cash-back card, 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 Stella Shon.

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

Featured photo by John Gribben/The Points Guy.

*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.

Delta SkyMiles® Platinum American Express Card

Earn 90,000 bonus miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new card in the first three months of card membership. Offer ends 11/10/2021.

With Status Boost™, earn 10,000 Medallion Qualification Miles (MQMs) after you spend $25,000 in purchases on your Card in a calendar year, up to two times per year getting you closer to Medallion Status. Earn 3X Miles on Delta purchases and purchases made directly with hotels, 2X Miles at restaurants and at U.S. supermarkets and earn 1X Mile on all other eligible purchases. Terms Apply.

Apply Now
More Things to Know
  • Limited Time Offer: Earn 90,000 Bonus Miles and 10,000 Medallion® Qualification Miles (MQMs) after you spend $3,000 in purchases on your new Card in your first 3 months. Offer expires 11/10/2021.
  • Earn up to 20,000 Medallion® Qualification Miles (MQMs) with Status Boost® per year. After you spend $25,000 in purchases on your Card in a calendar year, you can earn 10,000 MQMs two times per year, getting you closer to Medallion® Status. MQMs are used to determine Medallion® Status and are different than miles you earn toward flights.
  • Earn 3X Miles on Delta purchases and purchases made directly with hotels.
  • Earn 2X Miles at restaurants worldwide, including takeout and delivery and at U.S. supermarkets.
  • Earn 1X Miles on all other eligible purchases.
  • Receive a Domestic Main Cabin round-trip companion certificate each year upon renewal of your Card. *Payment of the government imposed taxes and fees of no more than $75 for roundtrip domestic flights (for itineraries with up to four flight segments) is required. Baggage charges and other restrictions apply. See terms and conditions for details.
  • Enjoy your first checked bag free on Delta flights.
  • Fee Credit for Global Entry or TSA Pre✓®.
  • Enjoy an exclusive rate of $39 per person per visit to enter the Delta Sky Club® for you and up to two guests when traveling on a Delta flight.
  • No Foreign Transaction Fees.
  • $250 Annual Fee.
  • Terms Apply.
  • See Rates & Fees
Regular APR
15.74%-24.74% Variable
Annual Fee
$250
Balance Transfer Fee
N/A
Recommended Credit
Excellent/Good
Terms and restrictions apply. See rates & fees.

Editorial Disclaimer: Opinions expressed here are the author’s alone, not those of any bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities.

Disclaimer: The responses below are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser’s responsibility to ensure all posts and/or questions are answered.