What Credit Score Is Needed for Citi Double Cash Credit Card?

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Every cardholder wants to earn more rewards when they spend, and the Citi Double Cash Credit Card is among the best cash back cards for that. Before applying, it’s important to know what the requirements are to ensure approval. 

Here’s a closer look at the credit score requirements one needs to meet to be approved for the Citi Double Cash Credit Card.   

What Are the Citi Double Cash Card’s Approval Requirements?

To ensure approval, Citi Double Cash Credit Card applicants should meet the credit score and income requirements needed to qualify. Here’s what they are.

Credit Score

Though Citi does not list minimum credit score requirements on their website, Forbes recommends that applicants have a FICO score in the good-to-excellent range to qualify for the Citi Double Cash Card. Citi generally makes its determination for credit card approval based on the following optimal credit score ranges:

  • Risky: 250 to 579
  • Fair: 580 to 669
  • Good: 670 to 739
  • Very Good: 740 to 799
  • Exceptional: 800 to 900
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Having a credit score within the “Good” range or higher can mean a decent chance of approval for the Citi Double Cash Credit Card.

Citi Double Cash Income Requirements

While this Citi offering doesn’t have a particular income requirement, an applicant who earns a high, steady wage can improve the odds of approval. Robust financials and good credit history can help an applicant gain approval even if their credit score’s on the lower side of what’s considered a good score.   

Good To Know

A credit score is vital when applying for credit cards and loans, as well as when measuring someone’s financial health. Fortunately, there are now several ways for anyone to check their credit score. Here are some easy ways to check: 

  • Use GOFreeCredit.com. It offers credit score checks and credit reports.
  • Credit card and bank accounts. These financial institutions typically offer free credit score soft checks to their customers.
  • Purchase a credit report. Credit reports can be bought directly from Equifax, Experian or TransUnion.
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When Does Citi Deny Approval for the Double Cash Credit Card? 

Sometimes, despite having a decent credit score and a decent income, Citi Double Cash Credit Card applicants are denied approval. When that happens, it typically means the applicant failed to meet some or all of Citi’s broader requirements for creditworthiness. This may mean the applicant has:   

  • Too many recent applications. If someone has applied for more than two credit cards in a 65 day-window, Citi will likely deny their application.
  • Maxed out their credit limit. Citi may reject an applicant if they have high outstanding balances on some or all of their credit cards.
  • Poor credit history and utilization rate. If a person’s credit history shows a string of late payments and a high credit utilization rate, they will likely find their Citi application denied.

How Are Credit Scores Determined?

Card companies use credit scores to decide whether a person is qualified to become a cardholder, as well as how high their credit limit should be. 

They receive these scores through credit reporting agencies, which calculate them based on certain score model algorithms and information from one’s financial history. 

What Credit Bureau Does Citi Double Cash Use? 

There are three major credit reporting agencies: Experian, TransUnion and Equifax. Each uses different algorithms and sources of credit information to determine a person’s credit score.

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Citi — and, by extension, the Citi Double Cash Credit Card — relies on Equifax as its chosen credit reporting agency to determine whether applicants meet its credit score requirements.

What FICO Score Model Does Citibank Use?

Because Citi receives credit reporting services from Equifax, which uses a commonly-used model to calculate credit scores, specifically the FICO Bankcard Score 8.

This model ranges from 250 to 900 and is mainly utilized to manage and monitor cardholder accounts. Though most credit card companies and financial institutions may use the same model, their scores can differ from those provided by Citi because they’re based on information from credit reports and other documents that were processed at different times.

How Good Is Citi Double Cash Compared to Citi Simplicity?

Along with the Double Cash card, Citi also offers applicants the Citi Simplicity card, which is among Citi’s best credit cards to have

Like the Double Dash card, the Simplicity card has no annual fee. In addition to that, it doesn’t have any late fees and no penalty rates. However, it also has no rewards program for cardholders. The Citi Simplicity card is for individuals who want a hassle-free card in their wallet.

On the other hand, the Double Cash card does have late fees and penalty charges but also offers an excellent cash back rewards program for cardholders who spend a lot and pay their balance on time.

For those who want to apply for Citi Simplicity, there’s no specific credit score requirement to meet. But, like the Citi Double Cash Credit Card, it’s best to expect that having a good to exceptional credit score — between 670 to 900 — will ensure approval.

Is the Citi Double Cash Credit Card a Good Choice? 

Whether the Citi Double Cash Credit Card is good or not depends on how well it suits a cardholder’s needs and habits. New cardholders get access to round-the-clock customer service the minute they first log in to their account, fraud and identity protection, as well as Citi’s Lost Wallet service and Citi Entertainment, which offers special access to tickets for numerous events and dining experiences. 

Aside from that, generally speaking, some other advantages of the Citi Double Cash Credit Card include:

  • Offering 2% cash back; 1% upon making a purchase and another 1% when that purchase is paid off
  • Not having any limits on cash back earnings
  • Offering a 0% introductory APR for the first 18 months
  • Not requiring an annual fee

This card also has some disadvantages tied to it, like:

  • A balance transfer fee requirement: 3% or $5 minimum during the first four months of card membership; 5% afterward
  • A 3% foreign transaction fee
  • No sign-up bonus

Overall, the Citi Double Cash Credit Card is an excellent cash back credit card, but it does lack many perks and has a few fees that could make it unfavorable for those who love to travel.


The Citi Double Cash Credit Card is one of Citi’s best rewards cards to have. With a decent credit score, credit history and stable income, an applicant has high approval odds. However, before applying, an applicant needs to determine whether the Citi Double Cash card is best for them based on their spending needs and habits. 

Data is accurate as of April 15, 2022, and is subject to change.

This content is not provided by Citibank. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.

Our in-house research team and on-site financial experts work together to create content that’s accurate, impartial, and up to date. We fact-check every single statistic, quote and fact using trusted primary resources to make sure the information we provide is correct. You can learn more about GOBankingRates’ processes and standards in our editorial policy.

About the Author

Moubin Ghafoory is a freelance content writer who formerly worked for a prominent digital marketing firm. Writing is his profession and his passion, and in his off time, he studies and practices writing fiction. He lives in Northern Virginia and drinks coffee by the gallon.

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