CITI® SECURED MASTERCARD® Help build your credit with a Citi® secured credit card


Start Building Credit for Tomorrow

The Citi® Secured Mastercard helps you build a credit history for your financial future with no annual fee.* If you are looking to establish your credit, the Citi® Secured Mastercard® can help you get there.

Simply make everyday purchases and pay your bill on time. Take the first step toward achieving your financial goals and apply for Citi's secured credit card today.

No Annual Fee*

Purchase APR % variable APR*

A security deposit is required for this product (minimum $200)2


  • To receive a Citi® Secured Mastercard®, you must meet our credit qualification criteria, which includes a review of your income and your debt. If approved, a security deposit is required for the amount of your credit limit, between $200 - $2,500.
  • Citi® Secured Mastercard® is an option for customers with little or no credit history and can help you build your credit when used responsibly.
  • Unlike a debit card, Citi® Secured Mastercard® is a real credit card that helps build your credit history with monthly reporting to all 3 major credit bureaus.
  • Once available, you will also have free access to your FICO score online. Tracking your score is a great first step to managing your credit history and taking control of your financial future.


Automatic Account Alerts

Alerts keep you informed and stress-free. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone.

Choose your Payment Due Date

Choose to pay your bill on any available due date in the beginning, middle or end of the month. Enjoy the flexibility of paying your full balance or just the minimum payment due each month.

Digital Wallets

Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Learn how to get started and how digital wallets can help protect your card information at

Tap Your Card with Contactless Pay

Shop safely with a contactless-chip enabled card. Just tap your card on the payment reader and go in seconds.

Help Keep Your Identity Safe

The ID Theft Protection program offered by Mastercard® helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit to learn more.

$0 Liability on Unauthorized Charges

You're completely protected against unauthorized charges on your account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise.

24/7 Customer Service

Our customer service representatives are available to assist you 24 hours a day, 7 days a week.



Please note that the terms and benefits of this product may change over time.

Citi does not guarantee the accuracy of these reviews. Benefits, fees, terms, and offers mentioned in reviews may change over time.


The standard variable APR for purchases for the Citi® Secured Mastercard® is % and also applies to balance transfers. The standard variable APR for Citi Flex Plan is %. The standard variable APR for cash advances is %. The variable penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum finance charge $0.50. Annual Fee – None. Fee for foreign purchases — 3% of the U.S. dollar amount of each purchase. Cash advance fee — either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee — either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.