Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our opinions or reviews. Learn how we make money.

How to prequalify for Citi credit cards

Get a better sense of your approval odds.

Updated

Fact checked

Prequalification is typically a great idea, no matter which card provider you choose. After completing a quick form, you can see what your odds of approval are for a Citi product. (Citi is a finder.com advertising partner.)

How do I get prequalified for a Citi credit card?

  1. Visit the Citi credit card prequalification page.
  2. Enter your name, address and last four digits of your Social Security number.
  3. Under the Which card benefit? section, select which card benefit matters most to you from the dropdown menu.
  4. Under the Acknowledgement section, click the checkbox to show you understand the terms of Citi’s prequalification tool.
  5. Click Get your card offer.

prequalification form

After you submit your information, Citi show you cards that match your credit profile. If there are products available, you can apply for them.

What does prequalification mean?

During prequalification, a bank will check your credit through a soft pull. This helps the bank determine whether you qualify for any of its credit cards.

Chances are if you prequalify for a card you have very good chances of being approved — perhaps as high as 80% to 90%.

There’s a caveat: Approval is never guaranteed. You may still be denied if your credit profile isn’t sufficient. Your annual income may be too low, for example, or your debt too high.

Still, there’s little harm in prequalifying. You’ll get a better picture of your approval odds before applying, and you might find a card recommendation you didn’t expect.

Our pick for a Citi credit card

Citi® Double Cash Card

  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • To earn cash back, pay at least the minimum due on time.
  • Balance Transfer Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.99% – 23.99%, based on your creditworthiness.
  • Balance Transfers do not earn cash back.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • The standard variable APR for Citi Flex Plan is 13.99% – 23.99% based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Read less
Read more

Compare Citi credit cards

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
Costco Anywhere Visa® Card by Citi
4% at gas stations on up to $7,000 annually (then 1%), 3% at restaurants and on travel, 2% at Costco and 1% on all other purchases
15.24% variable
$0
Earn valuable cash back on everyday purchases at gas stations, restaurants and Costco as well as eligible travel with no foreign fees.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
loading

Compare up to 4 providers

What are the benefits of a Citi prequalification?

  • Strong approval odds.
    You’re not guaranteed approval, but you’ll have a very good shot at getting the card it recommends to you.
  • See recommended products.
    This can help you narrow candidate cards and even see cards you weren’t originally searching for.
  • No obligation.
    You don’t have to apply for the cards you’re prequalified for. You can look for cards from other providers.
  • No credit score impact.
    Citi checks your credit with a soft pull, so you won’t lose points from your credit score.

After you apply for a card, your provider will initiate a hard pull on your credit

A soft pull is a background check to see if you’re a fit for a bank’s products. Though it’s a credit check, it won’t lower your credit score.

A hard pull is a credit check providers run when you apply for a lending decision — for example, when you apply for a credit card. It temporarily lowers your credit score by a few points.

An occasional hard pull won’t lower your credit score by too much. However, avoid several hard pulls within a short time. This is a red flag to lenders, who might see you as desperate for credit.

Bottom line

Getting prequalified is a great idea when you’re thinking about applying for a Citi card. If you’re not sure a Citi card is right for you, see if you qualify with different providers such as Chase, American Express, or USAA.

Frequently asked questions

Images: Shutterstock

Ask an Expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.
Go to site