Introduction
How do I qualify for Citi premier? The short answer is it depends. Reread those two words and remember them because they're the only way you'll get through this article. There's nothing complicated about qualifying for Citi Premier and it's very straightforward.
If you're thinking about applying for Citi premier rewards, you've come to the right place! I'll help you figure out how to qualify for this amazing card and also provide some valuable tips on what you should look for when applying.
Is it hard to get approved for Citi premier?
It's not hard to get approved for Citi premier. You just need to be a good customer and have a good credit score.
If you've never been late on a payment, we'll want to see proof of that in the form of your last statement. And if you've had fewer than three credit inquiries in the past two years, we'll want to see that as well.
You can also check out our Credit Card Comparison Tool to see how you'd compare with other people who have recently applied for Citi Premier cards.
How can I get approved for a Citibank credit card?
There are a few ways you can qualify for a Citibank credit card:
Have a bank account with Citibank.
Have an existing relationship with the bank based on business, personal, or family banking.
Be approved for a new credit card.
To get approved for a card, you must meet the following criteria:
Have at least one valid checking or savings account with us.
Have no maxed-out or over-limit balances in your checking or savings accounts.
Not be delinquent on any loans, including mortgages, student loans, auto loans, or any other type of loan — either through us or another financial institution — when you apply for a new credit card account.
Not be in default on any other credit cards from any other financial institutions that we offer to customers as part of our rewards program (such as Citibank Rewards) when you apply for a new credit card account.
What credit score do you need for a premier credit card?
Your credit score will determine your eligibility for a premier credit card. If you have a good credit score, you may be able to apply for a premier card with several different lenders.
Your credit score is determined by the number of inquiries on your report and the number of new accounts opened in the past two years (including cards issued by financial institutions other than the one you currently have). Your score can also be affected by how well you handle debt, how long it takes for you to pay bills and whether you're truthful about any errors on your reports.
The higher your credit score, the better chance you have at qualifying for a premier card. However, not everyone with a high score will qualify for a premier card due to other factors.
Which Citi card is the easiest to get approved for?
Citi Premier is the easiest to get approved for. It has no annual fee, no foreign transaction fees, and the rewards are nice.
If you have a credit card from Chase, you should be able to get approved for Citi Premier. This is because Chase doesn't charge foreign transaction fees on their cards. They do have some, but not many. You can only get one of the Chase Freedom or Southwest cards if you have a credit history from another bank or credit union that doesn't charge foreign transaction fees.
If you want to apply for Citi Premier and don't get it, there's nothing wrong with that! Just make sure you don't wait too long before applying again because they may not approve you right away after your first application is rejected.
Citi Premier Card
To qualify for the Citi Premier credit card, you'll need to have an excellent credit score. That's because the bank wants to make sure that you can pay off your balance and not default on any of your payments. The minimum score required to apply is a FICO score of 690 or higher.
However, there are exceptions to this rule. If you have a lot of debt from student loans or other types of credit, then you may be able to get a lower credit score than usual. In addition, if you have a good history of paying off all debt on time, then your score will likely be higher than average.
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