HOW TO GET APPROVED For Citi Credit Cards! (5 Steps From A Preapproved Credit Card)
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- Опубликовано: 8 янв 2021
- I received a preselected offer for the Citi Rewards+ Card in the mail, and the information inside the envelope gave some GREAT INSIGHTS into how to get approved for the credit card. Click "Show More" to see Ad Disclosure.
While the 5 criteria mentioned may not apply to all Citi credit cards, all credit card offers, or credit cards from other banks, most of them have more to do about your financial situation at large. So there’s a good chance you can take these criteria and use them to your advantage when applying for credit cards in the future.
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HOW TO GET APPROVED FOR CITI CREDIT CARDS (5 CRITERIA)
NOTE: 9 out of 10 applicants who met the application criteria below have been approved [for a pre-selected Citi Rewards+ offer]
1. Their application was received before the offer had expired and all information was complete, readable, accurate and verifiable.
2. Monthly income exceeded monthly rent/mortgage payment by at least $1,000 (monthly income is the total annual income provided on your application divided by 12) or otherwise were determined to be able to meet monthly payments based on income, estimated living expenses and other debt.
3. They did not have a Citi credit card that was past due and did not have a credit card with a history of serious delinquency.
4. They did not have a bankruptcy in the last 7 years.
5. Their credit score had not deteriorated since they received the offer.
CITI REWARDS PLUS CARD REVIEW (Light version) :D
SIGNUP BONUS - as of January 2021
Earn 15,000 Citi ThankYou points after spending $1,000 in the first 3 months.
EARN CITI THANK YOU POINTS
2X Supermarkets*
2X Gas Stations*
1X Everything Else
*On up to $6,000 of combined spend per year, then 1X for the remainder of the year until it refreshes.
Round Up!
The Citi Rewards Plus card is (currently) “the only card that automatically rounds up to the nearest 10 points on every purchase - a $2 cup of coffee can earn 10 points. And a $22 dinner for two earns 30 points.”
Points Back!
Get 10% Points Back for the first 100,000 ThankYou Points you redeem per year
Limits?
There is no limit to the points you can earn and points you earn never expire (exception likely being if you close your card account and don’t have any other Citi credit cards open that earn ThankYou points).
ANNUAL FEE
None
CITI CREDIT CARDS THAT EARN THANKYOU POINTS
- Citi Prestige Card
- Citi Premier Card
- Citi ThankYou Preferred Card
- Citi Rewards Plus Card
- Citi Double Cash Card (need to convert cash back to ThankYou points online)
OTHER CREDIT CARDS TO CONSIDER
- Apple Card
- Bank of America Cash Rewards Card
- Amex Blue Cash Everyday
- Amex EveryDay Card
- Amex Blue Cash Everyday Preferred
- Chase Freedom Flex
- Chase Freedom Unlimited
- Chase Sapphire Preferred
- Capital One Venture
- Capital One SavorOne
- US Bank Altitude Go
Disclosure: This site is part of an affiliate sales network and receives compensation for sending traffic to partner sites, such as CreditCards.com. This compensation may impact how and where links appear on this site. This site does not include all financial companies or all available financial offers. The content in this video is accurate as of the posting date. Some of the offers mentioned may no longer be available. Mark Reese is not a financial advisor.
#creditcards #citibank #citi 
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Somehow, I had not watched this video yet. Did now in preparation for acquiring a few new cards over the next year. Thank you for another informative video!
You got it!
Good information! Thanks for sharing!
You got it Brian 😃👊
Good info! Thanks!
You bet!
Brilliant!
Thank you!
Great Video !!!!!!
Thanks! Glad you liked it 😃🎬
Thank you great content
Glad to help!
Hey Mark!! I was just approved for this card on December 15 along with the apple card on the same day the round up points feature is pretty cool to me because I make a lot of small purchases a month $300 more until I hit my SUB
A huge congrats to you on BOTH approvals! 💯🎉 Do you plan to use your Citi ThankYou points for a future trip somewhere? 😃
Ha I watched this video when you first uploaded it.. and yesterday lord and behold I got that same letter in the mail saying to hurry up and apply.. only difference is they offered me 25.000 rewards points for $1500 spent in 3 months and 14.99 APR after the 0 intro for 15 months.
Haha Citi is trying to get new signups for sure 😁
First! Also good video. You break it down in a non-condescending way. Carry on.
Much appreciated Fabian 😃✌️
Just got that exact card offer in the mail.
Haha Citi wants our business! 😁✌️💳
I like the new card design
Oh wow I didn’t realize Citi updated the design for this card AND 3 others 😃💯 I’ll make a community post about this right now - thanks! 👊
I got this in the mail and was approved for $7000 my second largest card with cash rewards
Congrats on the approval and solid limit! 😎💯👊 Do you also have the Citi Premier or Citi Prestige?
Which credit report did citi obtained and what was the score if you don't mind sharing?
Hi Mark! Could you do a tier list on which Citi card is easiest ( besides the secured ) to the hardest to get approved for, about Hard Pulls, and all things related onto one’s profile during a Citi application????
🙏
Likely not. As I don't have access to Citi's underwriting requirements, it would be misleading to state, "Card X is easier to get than Card Y" when the only thing backing that up is guesswork.
@@MarkReese i understand. Thank you for your time and patience to reply, Mark! We fans would just love your input about the which you think of Citi, Cap.1 and other related cards by issuer would be easiest to hardest to get, but from YOUR perspective, not by acknowledgement of the bank.
I’ve received offers for both Double Cash & Custom Cash in the mail. Doing research lol
Both are great cards!
It was nice of them to put the income requirement in the advertisement! Is the return envelope so you can send them paycheck stubs and tax returns? lol
Haha that would be awful 😂👊
Nice video n great info..wich company is better For you Mark? Citi or Chase??
Thanks Andre! Better for me = Chase, but that doesn't mean it's better for everyone else ✌️
Another video !
A reason to celebrate 😁🎉
Want to try
Meaning you want to get the card? 😃
Would you say Citi Simplicity is higher likelihood of approval for my first Citi card vs applying for Citi Double Cash? Thanks in advance 💳🙏 (all 3 FICO-8 are at 695)
Hey Riaz! While I can’t guarantee anything, my guess is that the Citi Simplicity credit card would be a bit easier to get approved for 😃👍 Do you have a need for a long 0% APR offer?
Mark! Great video.. I have 1 question. I have 700 equifax, 731 Trans, and experian 710. My ch 13 bk will be coming off in January of 2023. .shud I apply now or wait till January......my credit usage is 4 percent.
Hi Gil - up to you! I'd personally wait until the Ch. 13 falls off your report.
Thanks for the great information.
Can you list the tiers for Citi bank cards? From low to high. Please and thanks 😊
Hi Annie - what do you mean by that?
Thanks for responding. Example like which card is the easiest to qualify for with Citi
@@anniewilson6737 - While I cannot guarantee anything, it probably goes something like this:
*Very Easy*
- Citi Secured Mastercard
*Easy*
- Citi Simplicity
- Citi Diamond Preferred
*Moderately Easy*
- Cobranded cards, including: Costco, American Airlines, AT&T
*More Difficult*
- Rewards cards, including: Citi Rewards+, Citi Double Cash, Citi Custom Cash, Citi Premier
Thank you very much 😊 👍
I like hearing you annunciate “button” 😉
(hopefully not terribly creepy 😬)
I should start another channel: "Mark Grammar 101" 😂✌️
Another great informative video mark so did you get this card? And I hear citi has some good balance transfer cards and rates.
Citi is among the best banks I've seen for balance transfer + 0% APR rates 😃👍💯 I did not apply. I currently have the older (and discontinued) _Citi ThankYou Preferred Card_ for now. I get upgrade offers all the time, but am waiting for one that offers an upgrade PLUS POINTS 😁
Hey Mark, I noticed that you have two videos in your collection that go over the rules and guidelines of applying to certain banks, specifically Chase and Amex. In saying this, I then noticed, through a mildly in depth search, that this video style is missing on other such as Citi and Capital One. I was wondering if you chose not to do such videos on these banks since their systems are more simple with a lack of rules such as 5/24, or if I have not looked deep enough into your past videos. Thank you very much for your time and consideration!
I still plan to do rule / guidelines for other issuers, I've just prioritized other topics in the meantime.
@@MarkReese ah ok, thank you for the confirmation Mark. I appreciate it!
I got approved for Citi premier card with an $8,500 limit from a credit score of 710
Congrats on the approval & limit! Enjoy 💯
I just got the same mailer offer but not sure if I should apply. I’ve got 3 new credit cards in the past 3 months. I have a $120k income and a 720 credit score. Should I go for it or wait 🤔
Hey there! Great score & income 👊 What do you normally spend on each month, and do you prefer cash back or travel rewards?
HEY MARK, when it says you've been pretty selected to apply for a CITI REWARDS no annual fee And then it leaves a invitation number.. 4 out of 5 Is applicates who meet the criteria on the back of the letter typically has been approved...Dose that means
I MIGHT BE APPROVE???
SINCERELY, THE MAN THAT'S TRYING TO BUILD-UP MY CREDIT SCORE FROM INDIANAPOLIS USA...
Just getting your opinion, THANKS A LOT. P.S. NEVER HAD A CITI REWARDS CARD YET... BUT, CHASE, I DO...
Hey Patrick - it likely means your chances of approval are good, just not guaranteed 👍
Do you still use this card to redeem for the ten percent boost up-to the limit on Citi points?
I've never had the Rewards+ ✌️ Consider a product change prior to redeeming, though.
That hologram must be Gen Z marketing, ooooh colors
Haha perhaps that's who the marketing team was going after 😁💯
Can you do a review of the card? I just received this card in the mail and I'm curious to know if it's worth it or not.
Hey Brandon! It's on my list to review, but not high priority. For 90%+ of people, I don't find this card to be worth getting 🤙
@@MarkReese appreciate you feedback and your time and thoughts
@@brandonbennett4615 - Sure thing!
It's a decent downgrade card from like the Prestige or Premier.
@@kmb6916 - For sure!
I got a pre-selected offer from Chase in the mail. CSP offer, sadly public offer but still Chase sent me a mailer!
Haha I’ve gotten similar “preselected offers” too, although the promo interest rate period was a bit longer. Otherwise same point bonus 😄
I got one from chase in the mail back in April. It was the sapphire preferred with 70K welcome bonus. I then applied and got rejected...LoL
@@zw8682 - Bummer 😆✌️ Did they provide a reason why?
@@MarkReese Back then I didn’t update my ssn with BOA so that my credit history wasn’t reported to either Experian or Equifax. After I opened a chase checking account to get a 100 welcome bonus, I applied for the card then they rejected me because I didn’t have any credit history on Experian report.😂
@@zw8682 - Lmao that'll do it 😆
I don't need to open a checking account an "build a relationship".?
A Citi checking account is not required to get a Citi credit card.
Those offers from chase came back again Mark. They send them last year for like a month. Then they were gone. Now they're back. They are pre-approved or pre-qualify but the offers said "you're already approved." Any insight?
Nice - I haven't received one 😃👍 Do they have an invitation code on the letter?
@@MarkReese it's not in the mail it's in their app
@@Xtremeproducts - Under a particular section in the menu? Or on the main dashboard when you log in?
@@MarkReese when I log in to the app it's at the "offers" section.
@@Xtremeproducts - Cool! Do you plan on going for it this year? 😃
Are you gonna be getting the card? Or just ignoring the preapproval?
I’ll be ignoring. I have the older discontinued version (Citi ThankYou Preferred) and am waiting for an upgrade offer with points involved 😁👍
Any benefits to Citi cards? I don't know much about them.
Many of their cards are designed for travelers, especially those who do international flights ✈️ Do you do trips abroad often? 😃
The citi double cash card is awesome
@@docsays - Sure is! 💰
Credit sesame told me my approval odds was very good tried applying and got denied and loss credit points smh
I don't recommend taking recommendations from Credit Sesame, Credit Karma, Experian, etc. Of all the accounts I've opened over the years, none of them were based on 3rd-party suggestions.
What credit bureau did they pull from?
It can vary based on location.
How do I get an offer
I think this was a duplicate comment; I just replied to your other one 😁
I got pre approved for the Citi rewards plus card a few days ago and I got approved after I applied for it online.
I also got pre approved for the Citi diamond preferred card but I am not sure if I want the card since I never did balance transfers. :( Is it still worth applying for that card?
Congrats on your approval Johnathan! 💯 The only reason to get the Citi Diamond Preferred card is if you need to carry a balance for a number of months. If so, then it's a great way to avoid interest charges during the promo APR period. If you don't need to carry a balance, then there's no need to apply 👍
Who does citi pull from
@@daahimabdulbarr2298 - It can vary based on location, so I'm not sure which bureau they'd use for a given application 😃👊
@@MarkReese ok cool i think I got disapproval from discovery just found out Experian has my yr I was born wrong (1997) when I was born 1970 lol 😆 SMH
Credit card:
Mark: 😱😱😱😱😱😱🤯
Every. Time. 😁😁
THIS WAS THE REASON WHY I HAVE POPUP ADS!!STOP MAKING CITI POPUP ADS IN MY PHONE!!!!
Digital marketing at its finest 😁👌
@@MarkReese pls tell citi for no popup ads it annoy me while play ml
@@MechaTrex90 😂✌️
Did you get the card ?
No I didn't apply. I have the older - and discontinued - version, which was called the _Citi ThankYou Preferred._ I've been getting 'upgrade' offers all the time, but am waiting for one that offers *points* to go along with it 😁
1st
LOVE IT! 😁🥇
@@MarkReese yes sir
Citibank has an F rating from the BBB
😬
"living paycheck to paycheck, avoid credit cards entirely". That would mean 95% of Americans should avoid credit cards entirely!
They're not for everyone ✌
How do I get an offer
Hi Nan! I'm not aware of a way to guarantee a direct offer via mail. However, the public offer on Citi's website has a fantastic elevated offer for a limited time right now 😃👍