Citi Double Cash — Credit Limit, Score & Approval Odds (2026)
The Citi Double Cash is a cash back card from Citi.
Based on 12 real reported applications, 67% were approved — median approved FICO 750, median starting limit $9.6k.
Citi Double Cash credit limit
Typical starting limit — 8 reported approvals
$9.6k
Middle half of reported approvals: $8k–$11.6k. Lowest reported $5k, highest $14.1k. Citi publishes a $500 – $50k range for the card. Your personal limit depends on your profile — calculate your odds and limit →
Credit score needed for the Citi Double Cash
The issuer generally looks for a credit score of 650+. Approved applicants in our data had a median FICO around 750 (range 650–785).
Citi Double Cash approval odds
Based on 12 real applications reported for the Citi Double Cash, 67% were approved.
Approval rate
67%
12 reported apps
Approved
8
4 denied
Typical approved profile
750 FICO · 6% utilization · 2 recent inquiries — medians across 8 reported approvals. Lowest approved score on record: 650.
How the 4 denied applicants differed
Same medians as the approved profile above, for the applications that were turned down — so the gap is the story, not the raw number.
- Median FICO
- 624-126 pts vs approved
- Median utilization
- 46%+40 pts vs approved
Score alone doesn't decide it — the highest denied score on record, 780, is well above the lowest one we've seen approved. Utilization, recent inquiries and account age move the odds too.
Real reported Citi Double Cash applications
Anonymous data points from public forums — score, utilization and outcome. These are other applicants, not a personal estimate.
Citi Double Cash welcome bonus
Earn $200 after you spend $1,500 on purchases in the first 6 months from account opening.
Citi publishes no end date for this offer. It runs until the issuer replaces it, which can happen without notice — the terms you see on the application are the ones that bind.
Citi Double Cash APR
The ongoing APR is 19.24%–29.24% — variable with the prime rate, and your exact rate within that range is set from your profile at approval.
Citi Double Cash annual fee
The Citi Double Cash annual fee is $0 — no yearly cost to keep the account open.
Citi Double Cash requirements
- Suggested credit score
- 650+
- Min credit history
- 6 months
- Recommended utilization
- under 50%
- Recent hard inquiries
- up to ~5
- Credit limit range
- $500 – $50k
- Reports to
- Experian, Equifax
Citi Double Cash approval — FAQ
What credit score do you need for the Citi Double Cash?
Approved applicants in our data had a median FICO around 750 (range 650–785). The issuer generally looks for 650+.
What is the credit limit for the Citi Double Cash?
The Citi Double Cash issues limits from $500 to $50k. Across 8 reported approvals the median starting limit was $9.6k, typically $8k–$11.6k.
How to get approved for the Citi Double Cash?
Aim for a credit score around 650+, keep utilization under 50%, keep recent hard inquiries to about 5 or fewer, have at least 6 months of credit history. If you're denied, you can request reconsideration at 1-800-695-5171.
What are the requirements for the Citi Double Cash?
Suggested score 650+, at least 6 months of credit history, utilization under 50%, and up to about 5 recent hard inquiries. Reports to Experian, Equifax.
What are the approval odds for the Citi Double Cash?
Based on 12 real reported Citi Double Cash applications, 67% were approved. Approved applicants had a median FICO of 750 and 6% utilization. Denied applicants had a median FICO of 624 and 46% utilization. Your own odds depend on your full profile — the predictor scores it against this data.
What is the approval rate for the Citi Double Cash?
Of 12 reported Citi Double Cash applications in our dataset, 67% were approved — the lowest approved score we have on record is 650.
What is the welcome bonus on the Citi Double Cash?
Earn $200 after you spend $1,500 on purchases in the first 6 months from account opening. Citi publishes no end date for it — the offer runs until it is replaced.
What is the APR on the Citi Double Cash?
The ongoing APR is 19.24%–29.24%, variable with the prime rate and set from your profile at approval.
What is the annual fee for the Citi Double Cash?
The Citi Double Cash annual fee is $0.
See approval statistics across all cards — approval rates and starting limits by FICO band →
Will you be approved for the Citi Double Cash?
Enter your profile in the predictor for your personal approval odds and expected limit.
Calculate your odds and limitApproval data is crowdsourced from myFICO and verified clients, not the issuer. Not financial advice.