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Citi® Secured Mastercard®

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it 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.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).
  • Get help staying on track with Auto Pay and account alerts.
  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.
  • Manage your account 24/7 online, by phone, or in our mobile app.
  • The standard variable APR for Citi Flex Plan is 23.99%. Citi Flex Plan offers are made available at Citi's discretion
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 23.99% (Variable) $0 Be the First
This content is not provided by CitiBank. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by CitiBank.

Offer Summary:
This Mastercard offer is issued by Citibank. This card is secured and does not issue a "standard" type of credit line. Secured credit cards normally require funding from the consumer to determine the credit line issued. If you are trying to establish or build credit, a secured card that reports to credit bureaus is a smart option.

Rate Information:
The regular APR for this offer is variable. A Variable APR means that the interest rate may change based on the U.S. Prime Rate.

Citi® Secured Mastercard® has no annual fee.


Card Member Extra Benefits And Perks:
Review the card application for additional card member benefits.

Apply Now for the Citi<sup>®</sup> Secured Mastercard<sup>®</sup>
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†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

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Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities