6 Tips: How to Increase Citi Credit Limit (Oct. 2023)

As a cardholder, you can call Citi’s Customer Service department at 1-888-248-4226 or log into your online account and easily increase your credit limit.

Request a credit limit increase online from the Citibank credit card login page for your account.

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.

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.

Citi® Double Cash Card

at Citi'ssecure website

CITI® RATING

★★★★★

4.8

OVERALL RATING

4.8/5.0

Our Review »

• 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.
• Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, 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).

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	0% Intro APR Period 18 months on Balance Transfers	19.24% - 29.24% (Variable)	$0	Excellent, Good, Fair

Additional Disclosure: Citi is a CardRates advertiser.

Citi Premier® Card

at the issuer'ssecure website

CITI® RATING

★★★★★

4.8

OVERALL RATING

4.7/5.0

Our Review »

• Earn 60,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening.
  Plus, for a limited time, earn a total of 10 ThankYou® Points per $1 spent on hotel, car rentals, and attractions (excluding air travel) booked on the Citi Travel℠ portal through June 30, 2024.
• Earn 3 Points per $1 spent at Gas Stations, Air Travel and Other Hotels
• Earn 3 Points per $1 spent at Restaurants and Supermarkets
• Earn 1 Point per $1 spent on all other purchases
• Annual Hotel Savings Benefit
• 60,000 ThankYou® Points are redeemable for $600 in gift cards or travel rewards at thankyou.com
• No expiration and no limit to the amount of points you can earn with this card
• No Foreign Transaction Fees on purchases

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
N/A	N/A	21.24% - 29.24% (Variable)	$95	Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Citi Custom Cash® Card

at the issuer'ssecure website

CITI® RATING

★★★★★

4.8

OVERALL RATING

4.7/5.0

Our Review »

• 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.
• 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
• Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
• No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
• No Annual Fee
• Citi will only issue one Citi Custom Cash® Card account per person.

• See application, terms and details.

See Rates & Fees

Intro (Purchases)	Intro (Transfers)	Regular APR	Annual Fee	Credit Needed
0% 15 months Purchases and Balance Transfers	0% 15 months Purchases and Balance Transfers	19.24% - 29.24% (Variable)	$0	Excellent, Good, Fair

Additional Disclosure: Citi is a CardRates advertiser.

Whether it’s the Citi® Secured Mastercard® or Citi Custom Cash® Card, a new credit card could be exactly what you need to start fresh with an increased credit limit. It can also be a good time to re-evaluate your spending habits and needs to ensure the card you’re using every day is the best one for your lifestyle.

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!