Citi® Secured Mastercard®
This offer may not be available if you leave this page. Offers may vary and this offer may not be available in other places where the card is offered.
With a secured credit card, once you are approved, you'll provide a security deposit, between $200 — $2,500. The credit limit on your new secured credit card will equal the amount of your security deposit.2
Access FICO® Score
$0 liability on unauthorized charges
24/7 customer service
How it works
Unlike a debit card, the Citi® Secured Mastercard® helps you build your credit history with reporting to major credit bureaus.
Apply for the card
Your application to receive the Citi® Secured Mastercard® is subject to our approval. Qualification is based on our standard credit criteria, which involves a thorough assessment of your income against your existing debts and other financial obligations.
Submit your security deposit
When you apply, you will select a security deposit between $200 and $2,500 in $100 increments. This deposit directly sets your credit limit (they are always equal) so choosing a higher deposit amount results in a correspondingly higher spending limit on your card.
Use your card responsibly
The Citi® Secured Mastercard® card is designed to help build or rebuild credit. A refundable security deposit establishes your credit limit, and you use the card for purchases like any other credit card. Responsible use is reported to credit bureaus and can help improve your credit over time.
Variable APR1
%
on purchases based on your creditworthiness
To receive a Citi® Secured Mastercard®, you must meet our qualification criteria, which includes a review of your income and your debt.
Citi® Merchant Offers
Citi® AutoPay
Citi® Quick Lock
Automatic account alerts
Stay updated on balance, payments or credit limits via email or text.
$0 liability on unauthorized charges
With Citi, you’re not responsible for unauthorized charges (charges which were not made by you, or anyone authorized to use the account) on your credit card.
Contactless pay
Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
Digital Wallets
Digital Wallets let you shop with confidence in millions of places online, within apps and in stores.
Citi® Credit Knowledge Center
Centralized hub with information to help you build and improve your credit history. You’ll find tips to help you better understand credit and tools to manage your credit more effectively.
Citi® Quick Lock
Misplaced your card? Use Citi® Quick Lock in the Citi Mobile® App or at citi.com to instantly block new charges while allowing recurring transactions to continue without disruption.
24-hour fraud protection
Citi will alert you if we see unusual activity on your account.
Mastercard® ID Theft Protection
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 mastercardidps.idprotectiononline.com to learn more.
Chip-based card technology
Chip card technology keeps the same card number but provides you with security and global acceptance.
Automatic account alerts
Stay updated on balance, payments or credit limits via email or text.
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.
Add Authorized Users
Add an Authorized User to your account at no additional cost.
24/7 customer service
To save time and manage your account from anywhere, download the Citi Mobile® App. You can handle most of your banking needs right from your phone, 24/7.
Paperless statements and e-communications
Reduce clutter and get your statements and most legal notices online instead of in the mail.
Access FICO® Score
Free access to your FICO® Score online to review your credit history.
Citi Mobile® App
Manage your money when you want, where you want and the way you want. It's how Citi digital services help you get the most out of your time.
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.
Contactless pay
Shop safely with a contactless, chip-enabled card. Just tap your card on the payment reader and go in seconds.
Citi® Flex Pay
Pay over time with a fixed monthly payment. Available on eligible purchases of $75 or more using an eligible Citi® credit card.2
Citi Entertainment®
Citi Entertainment® is an entertainment access program available to eligible Citi® credit card and Citibank® Debit Card customers. Citi cardmembers get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences to the year's most anticipated concerts, sporting events, arts and culture experiences.
FAQs
The key benefit of the Citi® Secured Mastercard® is that it's a no annual fee1 credit card that may help you build your credit when used responsibly. Unlike a debit card, this secured credit card helps you build your credit history with reporting to major credit bureaus. Cardmembers also enjoy added benefits of their secured credit card, such as:
- Using your card anywhere Mastercard® is accepted — worldwide
- Free FICO® Score access
- Tools to help you stay on track, including Auto Pay, Account Alerts and Flexible Payment due dates
This can help you to build your credit history, following responsible management of your credit card account.
The Citi® Secured Mastercard® is a credit card designed specifically for people who are new to credit or want to build their credit.
This credit card may help you to build credit a number of ways:
- By paying at least the minimum due on a timely basis each month
- Having your credit history reported to credit bureaus
- Accessing Citi’s helpful tools to help keep you on track, including free FICO® Score access, online bill pay and account alerts
The Citi® Secured Mastercard® also comes with account protection features, like fraud alerts, $0 liability on unauthorized charges and the ID Theft Protection program offered by Mastercard®.
Credit building timelines vary, but many people begin to see activity on their credit reports within a few months of on-time payments. Because Citi reports to major credit bureaus monthly, consistent and responsible use over time can help establish a positive credit history.
You can select a deposit amount between $200 and $2,500 when applying for the Citi® Secured Mastercard®. Your security deposit will determine your credit limit (the amount you can spend). Your security deposit is always equal to your credit limit — so the larger the deposit, the larger the credit limit.
If you apply online, we'll review your application for the Citi® Secured Mastercard® immediately, which can take as little as 60 seconds for a response. If you're approved, you'll have 14 days to provide your bank account information, which will be used to fund your security deposit via electronic bank transfer, before we open your account. We may ask you to verify the bank account used for your security deposit to confirm that you have access to it.
The security deposit is generally refundable when the account is closed, provided the balance is paid in full and the account is in good standing.
The Citi® Secured Mastercard® is designed specifically for people who are new to credit or want to build their credit. Anyone is welcome to apply, however in order to be approved, you must meet our credit qualification criteria. This includes: A review of your income and debt, any available credit information, as well as any other information Citi may have about your creditworthiness.
You must not have any pending bankruptcy, or bankruptcy history in the last two years.
As with any credit card, you may be declined based on the information you provide in your application or your available credit history.
You could also be declined if you fail to provide a security deposit when you apply.
There is no annual membership fee1 for the Citi® Secured Mastercard®.
Yes. Like other credit cards, balances reported on your Citi® Secured Mastercard® factor into your overall credit utilization, which can influence your credit score.
With responsible use, you may become eligible to upgrade to the Citi® Diamond Preferred® Credit Card. Customers are reviewed for graduation starting at 9 months for early graduation, and then reviewed on a 12 month basis. Customers must pass credit graduation criteria and have valid SSNs on file to graduate. If a customer does not qualify for graduation, they remain on Secured card for another 12 months.
While the Citi® Secured Mastercard® card does not earn rewards, it does offer benefits such as no annual fee1, free access to your FICO® Score and $0 liability on unauthorized charges. You can also earn money back in the form of statement credits through Merchant Offers.
CITI® SECURED MASTERCARD®
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1Citi® Secured Mastercard® Pricing Details
The variable APR for purchases and balance transfers is %. For Citi Flex Plans subject to an APR, the variable APR is %. For Citi Flex Pay Plans subject to a Plan Fee, a monthly fee of up to % will apply, based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors. The variable APR for cash advances is %. The variable penalty APR is up to % and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge — $. Annual Fee — . Fee for foreign purchases — % of the U.S. dollar amount of each purchase. Cash advance fee — either $ or % 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.