There is no exact minimum credit score needed for the approval of the Citi Custom Card.
However, you’ll need a good credit history of on-time payments and a good credit score to get this card.
In this article, we will tell you the credit score you need to get approved for the Citi Custom Card.
So, if you have plans of applying for a Citi Custom Card, this guide will be of great help to you.
However, make sure you read through this article very well to get all the info you need.
With that in mind, let’s go straight to what we have for you today.
Citi Custom Cash Credit Card Score Needed for Approval
To apply for the Citi Custom Cash Credit Card and get approval, you’ll need a good credit score.
Hence, you’ll need a credit score of at least 675 to get approved for Citi Custom Cash Credit Card.
Let’s have a look at different credit card ranges for approval:
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750 and above
If you have a credit score of 750 and at least 1 year of credit history, you have a good chance of approval.
Hence, 80% to 90% of applicants that falls in this range would get approved for this card.
Yet, if you have a credit score above 750 and at least 2 years of credit history, you have higher chances of approval.
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725 to 750
Those that fall under this category have 70% to 75% chances of approval.
Hence, to get approved for this card, you must have at least 1 year of credit history for approval.
However, if you have 2 years credit history, you have a better chance of approval.
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700 to 724
If you have a credit score of 700 to 724, you have 60% to 65% approval for this credit card.
However, other factors like; credit history and income can also affect your approval.
Hence, make sure you have a good credit history and a high income before applying for this card.
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675 to 699
Those that fall in this category have a 50% chance of getting approved for this credit card.
Hence, you might want to build your credit score before applying for this card.
Also, you can apply for other credit cards that accept applicants with fair credit scores.
Is Credit Score Everything?
Your credit score is important for credit card approval. However, other factors can determine your credit card application approval.
Hence, here are some other factors that can affect your credit card approval:
- Credit history (the higher the credit the higher chances of approval).
- Income (You must have a high income for to get approved for a credit card).
- Credit Utilization Ratio (the lower the ratio the better chances of approval).
- Lastly, the number of credit cards opened in the previous year.
The number of credit cards you open a year before your application can affect your approval odds.
Hence, if you’ve opened more than 3 credit cards in the previous year, you have a low chance of approval.
Higher Credit Score Gets Higher Credit Limits
As stated earlier, your credit score plays an essential role in your credit card approval.
Hence, if you have a high credit score, you are likely to get a high credit limit. Thus Citi gives its cardholders a starting credit limit of $1000. So, if you have a credit score of 750+ and a good credit history, you’re likely to get a higher credit limit.
Having said that, let’s brief you about the Citi Custom Cash Credit Card.
Citi Custom Cash Credit Card
The Citi Custom Cash Credit Card offers 5% cash back on top spending of up to $500 spent each billing cycle.
Also, cardholders can enjoy 1% cash back on all other purchases made using their credit card.
Hence, you don’t have to pay an annual fee for this card as it charges a $0 annual fee.
Also, this card offers a 0% intro APR on purchases and balance transfers for 15 months. Hence, after that, your APR is variable between 19.24% and 29.24%.
However, note that a balance transfer must be made within the first months to enjoy 0% APR.
For more info about this credit card, please visit the link below:
https://www.citi.com/credit-cards/citi-custom-cash-credit-card.
Final Words
To summarize, you need a good credit history of on-time payments and a good credit score to get this card.
Also, make sure you have a good credit history and a high income before applying for this card.
Thus, your credit score, credit history, and income play a major role in your credit card approval.
However, if you have any questions, leave them in the comment session and we will get back to you soon.
Having said that, thank you for reading!