Are You Eligible For The Citi Premier Card?

In the interest of full disclosure, OMAAT earns a referral bonus for anyone that’s approved through some of the below links. Citi is an advertising partner of OMAAT. These are the best publicly available offers (terms apply) that we have found for each product or service. Opinions expressed here are the author's alone, not those of the bank, credit card issuer, airline, hotel chain, or product manufacturer/service provider, and have not been reviewed, approved or otherwise endorsed by any of these entities. Please check out our advertiser policy for further details about our partners, and thanks for your support!

You can apply for the card now.

There is a best-ever welcome bonus of 80,000 ThankYou points on offer for the Citi premier card. There are many reasons to get a rewards card from the 3x points bonus to the $100 annual hotel credit.

In order to maximize odds of people getting approved, I wanted to address some of the confusion about eligibility for the premier card.

Citi Premier Card eligibility requirements

In this post, I want to share with you the three main things to consider before applying for the card, to try and figure out if you are eligible. There are a lot of rules when it comes to approving people for credit cards.

Are you under Citi’s 8/65 limit?

Most of the time, Citi will approve a cardmember for one of their cards every eight days. Make sure you observe the limit because it's a rolling one. Applying for cards with other issuers won't count towards the limit.

Are you eligible for the welcome bonus (24-month rule)?

If you have, the welcome bonus of 80,000 ThankYou points won't be available.

• Received a new cardmember bonus on the Citi Rewards+, Citi ThankYou Preferred, Citi Premier, or Citi Prestige, in the past 24 months
• Closed the Citi Rewards+, Citi ThankYou Preferred, Citi Premier, or Citi Prestige, in the past 24 months

If you have more than one of those cards, you can't get a bonus or closed one of them.

What credit score do you need for the Citi Premier Card?

Credit score is only one of many factors when it comes to being approved for a card, as there isn't a consistent rule as to what credit score you need in order to be approved for a card. If you are going to apply for this card, you should have a good credit score.

If my credit score was under 700, I wouldn't apply, but I would hope to have a credit score of at least 700. People with scores lower than that have been approved, while people with scores higher than that have been turned down. There are many factors that go into approval, including your income, credit history, and how much credit you have already received.

Citi Premier Card approval FAQs

There are a lot of questions when it comes to the approval of the premier card.

Is it hard to get approved for the Citi Premier?

One of the easiest credit cards to be approved for is the Citi premier. It is assumed that you have good credit, have a good amount of credit history, and meet eligibility requirements. I have anecdotal evidence that people have better luck getting approved for this card than for the Chase Preferred Card.

How long does it take to get approved for the Citi Premier?

It is possible to get approval for a Citi credit card in a matter of minutes. It doesn't mean you'll be rejected if you get a message saying your application requires further processing time. You can expect to get a decision within a week or two.

Which credit bureau does Citi pull from?

There isn't a single credit bureau that Citi always pulls from if you apply for the premier program. Depending on a variety of factors, it could be one of the following:

Is it bad for your credit score if you get denied for the Citi Premier?

If you apply for a credit card, what are the consequences? There is a new inquiry on your credit file that could temporarily affect your score. Losing a few points temporarily shouldn't have a big impact as everyone's situation is different

It is possible to improve your credit score by getting approved for the card and using it in a responsible manner.

If you get denied for the Citi Premier, can you apply again?

You can. You can apply again if you've been denied before. If your credit score went up, the number of cards you opened in the past two years went down, and you got denied once, that doesn't mean you'll be denied again.

I would wait six months between applications to make sure that your credit situation has changed.

Bottom line

A huge welcome bonus of 80,000 ThankYou points is offered by the Citi premier card. Anyone who is eligible should seriously consider applying for this bonus.

If you have a good credit score and are familiar with Citi's eligibility requirements, you shouldn't have a hard time getting approved for the premier card.

What did you think about applying for the premier card?