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Security Center - Learn more about identity theft and fraud.

Help build, improve or rebuild your credit with a Citi secured credit card

No Annual Fee1

Whether you're looking to establish, improve or rebuild your credit, the Citi® Secured Mastercard® can help you get there. Simply, make everyday purchases and pay your bill on time. Best of all, there's no annual fee1. Take the first step toward achieving your financial goals and apply for Citi's secured credit card today.

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 approved, your security deposit must be equal to your credit limit. You must not have any bankruptcy history within the last two years.

If you are approved for the card, provide a security deposit for the amount of your credit limit, between $200-$2,500. Your security deposit will be equal to the amount of your credit limit. Your security deposit will be held in a Collateral Holding Account for an initial term of up to 18 months and will not earn interest. Unless Citi determines your account is eligible to have your deposit returned, you must keep your CHA open for the full 18 months. If your Citi Secured credit card account is in default or is not renewed, we may apply your security deposit to the outstanding credit card balance and close your account.

Purchase APR % variable APR1

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

Citi Secured Mastercard
Citi® Secured Mastercard®

Help build or improve your credit with a Citi® secured credit card

Whether you're looking to establish or improve your credit, the Citi® Secured Mastercard® can help you get there. Simply make everyday purchases and pay your bill on time. Best of all, there's no annual fee1. Take the first step toward achieving your financial goals and apply for Citi's secured credit card today.

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.

Purchase APR % variable APR1

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

Program Details

  • 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.

Protection

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.

$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.

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 citi.com/digitalservices.

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.

What others are saying about this card:

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.

Certain terms and conditions apply. Coverage details will be provided upon card membership or you can visit
www.cardbenefits.citi.com.

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