Citi® Secured Mastercard®

The future starts with a credit history. Start building yours today.

The Citi® Secured Mastercard® helps you build a credit history for your financial future.

Pricing and InformationApply Now
Citi Secured Mastercard
  • No annual fee1
  • Globally accepted
  • A security deposit2 is required for this product (minimum $200)

How the Citi Secured Card works.

Apply for the Card

  • You must meet our credit qualification criteria, which includes a review of your income and your debt.
  • We’ll use the information you provide to help determine whether you’re approved for a Citi Secured Card account, subject to receipt of collateral. (“Collateral” refers to your security deposit, which is equal to your credit limit.)
  • You must not have any bankruptcy history in the last two years.

Submit a Security Deposit

  • The online application requires bank routing and account numbers.
  • If approved for the card, your credit limit will be equal to the security deposit.
  • Your security deposit will be held in a Collateral Holding Account for an initial term of up to 18 months without earning interest.
  • We may ask you to verify access to the bank account used for your security deposit.
  • If your account is in default or is not renewed, we may apply your deposit to the outstanding balance and close your account.

Build Your Credit

  • Citi will report to all three credit bureaus about your account which will help you establish your credit history.
  • Pay your bill on time to help your score increase over time.
  • Citi can help keep you on track with AutoPay, Online Bill Pay and alerts.

Any questions?

Enjoy added card benefits as you build credit.

user at a keyboard

Free FICO® Score Access

Once available, your FICO Score is updated monthly. Tracking your score is a good first step to managing your credit history because a higher score can help you gain access to more credit.

Calendar

Flexible Payment Due Date

Choose any available due date in the beginning, middle or end of the month.

bank vault

Account Protection

Citi® Identity Theft Solutions and $0 Liability on unauthorized purchases help protect against fraud.

Clock

Manage Your Account Online 24/7

View balances and transactions or make payments using free online and mobile banking tools. Plus, get free account alerts delivered right on your mobile device.

Apply today for the Citi® Secured Mastercard®.

Start building the credit you need for tomorrow.