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No Annual Fee1
Unsure of how to start building a credit history? Citi's Secured Mastercard is designed to help people build their credit history. Just make everyday purchases and pay your bill on time. All you need to do to get started is provide a security deposit when applying. Best of all, there's no annual fee.
Provide a security deposit between $200 - $2,500 when submitting an application. Once your security deposit is received and you are approved, your credit limit will be equal to the amount of the security deposit you've submitted. Your security deposit will be held in a Collateral Holding Account for 18 months and will not earn interest. If your credit card account is in default, we may apply your security deposit to the outstanding credit card balance and close your account.
To receive a Citi® Secured Mastercard® you must meet our credit qualification criteria for this card, which includes our review of your income and your debt. If you are approved, your credit limit will be equal to the amount of your security deposit. You must not have any bankruptcy history within the last two years.
Purchase APR % variable APR1
A security deposit is required for this product (minimum $200)2
Citi® Identity Theft Solutions
Identity theft can happen to anyone. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track. We assist you with identifying compromised accounts, filing police reports and taking steps to get your good name and good credit back.
Worldwide Travel Accident Insurance
Travel with more peace of mind when you pay for your trip with your Citi card. Worldwide Travel Accident Insurance is a type of coverage that you hope to never need, but it may offer some financial help to you or your loved ones if a tragic accident does occur.
Trip Cancellation & Interruption Protection
Travel plans can go awry for many reasons. If certain unforeseen events get in the way of your trip, you may be reimbursed for non–refundable trip expenses, like change fees, provided you paid for the trip with your Citi card.
Worldwide Car Rental Insurance
Be more confident at the rental car counter — you may be covered against theft or damage to a rental car when you pay for your rental with your Citi card and decline the rental company’s collision loss/damage insurance.
Extends the manufacturer’s warranty so you can feel more confident when you make purchases with your Citi card.
$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.
Damage & Theft Purchase Protection
Shop with more confidence — Damage & Theft Purchase Protection may cover you for repairs or a refund if purchases made with your Citi card are damaged or stolen within 120 days of purchase (90 days for New York residents).
Roadside Assistance Dispatch Service*
Get help with a single call when car problems strike. If you have car trouble while you're on the road in the 50 United States or the District of Columbia, we'll send the help you need directly to your location almost anywhere in the U.S. You are responsible for the costs of any services provided.
Your Citi credit card is welcome at millions of merchant locations, ATMs and financial institutions worldwide. That means no matter where you are, your card opens doors and makes things possible. Use it to make purchases and to get emergency cash anywhere in the world Mastercard® credit cards are accepted.
Manage Your Account Online and On The Go
Enjoy 24/7 access to your account online. Check your balance, view transactions, and even make a payment using free online and mobile banking tools. Get free account alerts delivered right on your mobile device.