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.

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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.

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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.

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Flexible Payment Due Date

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

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Account Protection

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

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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.