Writer: Amber Brooks
Editor: Lillian Guevara-Castro
Reviewer: Ashley Fricker
To increase the credit limit on your Citi card account, you have a few options available for quick and easy service. We’ve outlined the steps to request a higher limit from your Citibank credit card login page, choose a new credit card, or find out more information about credit limits. If you’re ready to jump ahead, use the links below:
When you log in to your Citi account, click on “Services” and select “Card Services.” You can then choose either a Temporary Credit Limit Increase or Permanent Credit Limit Increase. You’ll need to provide your card number, desired credit limit, effective date, and reason for the increase. When you’re done, click “Next” to finish applying. Temporary increases to credit limit on Citi cards last up to 60 days from the date of approval.
If you don’t already have an online account with Citi, you can click on the gray “Register” button to sign up. For your Citi card login, you’ll need your credit card number, security code, and the last four digits of your social security number.
2. Apply for a New Citibank Credit Card
It could be that your Citi card has a low credit limit because of your credit history, but this doesn’t have to hold you back. As a responsible and longstanding Citi cardholder, you can qualify for another card with a higher credit limit.
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 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. Plus, earn 5% total cash back on hotel, car rentals and attractions booked with Citi Travel.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.74%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- 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 an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Additional Disclosure: Citi is a CardRates advertiser.
- Earn 75,000 bonus Points after spending $6,000 in the first 3 months of account opening.
- Earn 12 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on cititravel.com and 6 Points per $1 spent on Air Travel booked on cititravel.com
- Earn 6 Points per $1 spent at Restaurants including Restaurant Delivery Services on CitiNights℠ purchases, every Friday and Saturday from 6 PM to 6 AM ET. Earn 3 Points per $1 spent any other time
- Earn 1.5 Points per $1 spent on All Other Purchases
- Up to $300 Annual Hotel Benefit: Each calendar year, enjoy up to $300 off a hotel stay of two nights or more when booked through cititravel.com.
- No Foreign Transaction Fees
Additional Disclosure: Citi is a CardRates advertiser.
- Earn 60,000 bonus ThankYou® Points after spending $4,000 in the first 3 months of account opening, redeemable for $600 in gift cards or travel rewards at thankyou.com.
- Earn 10 Points per $1 spent on Hotels, Car Rentals, and Attractions booked on CitiTravel.com.
- Earn 3 Points per $1 on Air Travel and Other Hotel Purchases, at Restaurants, Supermarkets, Gas and EV Charging Stations.
- Earn 1 Point per $1 spent on all other purchases
- $100 Annual Hotel Benefit: Once per calendar year, enjoy $100 off a single hotel stay of $500 or more (excluding taxes and fees) when booked through CitiTravel.com. Benefit applied instantly at time of booking.
- No expiration and no limit to the amount of points you can earn with this card
- No Foreign Transaction Fees on purchases
Additional Disclosure: Citi is a CardRates advertiser.
Whether it’s the Citi® Secured Mastercard® or Citi Custom Cash® Card, a new credit card may be just what you need for a fresh start and a higher credit limit. It’s also a smart chance to take another look at your spending habits and make sure the card you use every day still fits your lifestyle.
3. Read the “6 Expert Tips” for Increasing Credit Limits
If you’d rather increase the limit on the Citi card you already have, then you’ll need to prep yourself to know what to expect. Before talking to Citi, we recommend perusing our experts’ tips for upping your credit limit.
Once you understand all the ins and outs of credit limit increases, you’ll know what to say (and what not to say), so you’re sure to be approved by Citi. Good luck!
Editorial Note: Our site content is not provided or commissioned by any credit card issuer(s). Opinions expressed on CardRates.com are the author's alone, not those of any credit card issuer, and have not been reviewed, approved, or otherwise endorsed by credit card issuers. Every reasonable effort has been made to maintain accurate information; however, all credit card offer details, including information about rewards, signup bonuses, introductory offers, and other terms and conditions, is presented without warranty. Clicking on any offer on CardRates.com will direct you to the issuer's website, where you can review the current terms and conditions of the offer.
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