If you later apply and get the card, pay careful attention to the rate. By providing my email address, I agree to CreditCards.com’s But if you already have a credit card or two and owe a balance, you might not need a fancy rewards card. Make responsible financial decisions based on your current debt load, income and goals. Before you actually apply for the Citi credit card you want, you should first see if you pre-qualify. For the longest time this offer was stuck at 50,000 points so you don’t want to miss out on this better opportunity. One thing you need to make sure that you have done is opt-in to receiving pre-screened offers. You have to agree to the next, more obtrusive step—the hard pull. Keep an eye on your inbox—we’ll be sending over your first message soon. This information is used only to match you with your credit card offers. Our CardMatch tool can help match you with prequalified offers and cards that align with your credit history – with no harm to your credit score. Benefits, fees, terms, and offers mentioned in reviews may change over time. But even some people in the mid 600s received targeted offers. Get essential reads every week with our newsletter. The offers that appear on this site are from companies from which CreditCards.com receives compensation.

the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site. We do not receive compensation for any products mentioned on the website. © 2020 RewardExpert.com. Other factors, such as our proprietary website's rules and the likelihood of applicants' credit approval also impact how and where products appear on the site. Tip: Even if you don’t receive a targeted offer, you can often message Citi and request a match to those higher offers. Instead of just sending that application in and hoping you get that card, find out if you pre-qualify for the card you really want.

The standard interest rate is (Variable), depending on your credit score. However, your odds of … Privacy Policy, Essential news and expert tips in your inbox every week. And since pre-qualifying is a soft pull, it won’t hurt your credit score. Enter your name, address and last four digits of your Social Security number. Citi does not guarantee the accuracy of these reviews. For example, when you’re shopping for mortgages, credit agencies understand that there might be multiple hard pulls. The Costco Anywhere Visa Card by Citi helps you get the most from your membership by letting you earn cash back on all your purchases, including purchases at Costco and Costco.com. Simply enter some information about yourself and see if you qualify for our best credit card offers. But there are a couple of factors you can control to increase your odds. Pre-qualified offers are made available at Citi's discretion and customers are not evaluated against all Citi credit cards for pre-qualified offers. Fee for foreign purchases — None. If you’re looking for a lot of options, you’ve come to the right place. Credit Cards Secure Application Respond to a Mail Offer See If You're Pre-Qualified for a Card. Visit the Citi credit card prequalification page. CreditCards.com does not include the entire universe of available financial or credit offers.CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. If you get a pre-approval offer from Citi in the mail, it doesn’t mean that you’ve been chosen to become a cardholder. Not yet a Costco member?

I searched for people who received offers for the more premium-level cards below, but I didn’t find reports of people receiving these offers: There are a few things you should know about these offers before you decide to take advantage of them. Required fields are marked *.

You can also purchase travel with your points directly through the Citi travel portal. A single hard pull isn’t going to ruin your credit score and a series of hard pulls in a close period of time for the same reason are often seen as one pull. More details on software and accessibility are available at WebAIM.org. How to maximize travel rewards when you’re not traveling. Do you want to go to the third party site? So for example, if you got an American Airlines card you could not earn the sign-up bonus on another American Airlines card within 24 months. Your eligibility for a particular product and service is subject to a final determination by Citibank. Emily Sherman If that credit card is from Citi, we can tell you how you can pre-qualify. Cash advance fee either $10 or 5% of the amount of each cash advance whichever is greater. Go to Citi’s pre-qualification page. Not only does Citi offer its own line of cards, it also partners with companies like American Airlines, Costco, Expedia, AT&T and others to offer company-branded cards with their own set of perks.

By providing my email address, I agree to CreditCards.com’s

Expect for Citi to pull from at least two credit bureaus. Privacy Policy. Call 1-800-259-3052. Click to read more about Amex pre-qualified offers. Use the Costco Anywhere Visa card as your Costco membership ID.Need a Costco membership? You are leaving a Citi Website and going to a third party site. Citi has a page on its site dedicated to prequalified offers, but it is currently not matching customers. Along with a bunch of coupons you’ll never use, you find a few bills and, yes, credit card offers. After the interest free promotional period, the card has a relatively reasonable variable APR, depending on the quality of your credit. The standard variable APR for purchases is % and also applies to balance transfers and Citi Flex Plan. Responses have not been reviewed, approved, or otherwise endorsed by the bank advertiser. Something else to consider is what some dub the “Citi 6/6 rule” which states that you might be denied if you’ve had 6 or more hard pull inquiries in the last 6 months. Citi will show you prequalify credit card offers without affecting credit score. Some say 90% but I’m not sure about that figure. Please note that the terms and benefits of this product may change over time. Prequalify on the Citi website Unlike many issuers who advertise prequalified offers on tools like CardMatch™, Citi primarily focuses these efforts on its own channels. Citi and its affiliates are not responsible for the products, services, and content on the third party website. It also has no late fees or penalty rates, which can make this card a keeper in the long term. Box 6000, Sioux Falls, SD, 57117. Second, sometimes these offers don’t have the language limiting you to sign-up bonuses for certain cards in 24 month periods. Reasonable efforts are made to present accurate info, however all info is presented without warranty and is current on the date of publication. They do not guarantee approval and some people have even been denied for multiple pre-qualified cards. Balance transfers. To get started, enter your invitation number and select Submit. You’ll earn 4% cash back rewards on eligible gas worldwide, including gas at Costco, for the first $7,000 per year and then 1% thereafter.

Variable penalty APR is up to 29.99% and applies if you pay late or your payment is returned. Citi pre-qualify offers can provide you with some extra assurance and better interest rates when applying for Citi cards. RewardExpert.com is an independent website that is supported by advertising. There are various credit cards that you can pre-qualified for. You can read more about how credit pulls are done here. The Citi® Double Cash Card – 18 month BT offer card is one of the best cashback cards on the market. Join our newsletter to get the most important credit card news and financial insights delivered straight to your inbox. Like any tool, they can serve a positive purpose or be a vehicle for financial destruction. PRIVACY NOTICE: When you visit this website we collect your browsing activities on our site and use that information to analyze and research improvements to the website, and to our products and services. You’ll have to pay off your purchases to get the full reward, though, since the card offers 1 percent cash back when you purchase and 1 percent cash back when you pay. You can find Citi pre-qualified offers here. To earn cash back, pay at least the minimum due on time.

So if your credit score and report changes after the time you receive an offer then your odds might be affected so always try to keep tabs on what’s going on with your credit report. They know that they’re all for a single purpose and won’t ding your score. Security Center - Learn more about identity theft and fraud. Minimum interest charge $0.50. If you apply for a credit card, the lender may use a different credit score when considering your application for credit. Remember that this pre-approval is only a soft pull and doesn’t guarantee that you’ll qualify for the card. Your travel rewards have the best value when you redeem them for travel purchases. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Before we look at how the Citi pre-qualification process works, let’s look at some of Citi’s best credit cards. UponArriving has partnered with CardRatings for our coverage of credit card products. I’ve used the Platinum Select to rack up miles that I ended up using on partner flights to experience things like the Etihad First Class Apartment and Qatar Airways First Class.

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