Credit and Loans
Citi® Secured Mastercard®: Your Gateway to Building Credit
Explore the benefits of the Citi® Secured Mastercard® and how it can help you establish or rebuild your credit.
Citi® Secured Mastercard®
Credit Building with No Annual Fee
- Annual Fee: $0
- Credit Limit: Equal to your security deposit ($200 – $2,500)
- APR: 27.49% variable
- Reporting to all 3 major credit bureaus
Choose Your Credit Limit
Your credit limit on the Citi® Secured Mastercard® is determined by the amount of your refundable security deposit. Choose the amount that works best for you and start building credit responsibly:
Credit Building with Peace of Mind
The Citi® Secured Mastercard® offers a clear path to building or rebuilding your credit. With no annual fee and regular reporting to all three major credit bureaus, this card can help you establish a solid credit history.

Citi® Secured Mastercard®
Your credit limit is determined by your refundable security deposit.
More DetailsThe Application Process
Applying for the Citi® Secured Mastercard® is simple. The online application process is user-friendly, making it easy to get started on your credit-building journey.
An Alternative: Discover it® Secured Credit Card
If you’re considering other options, the Discover it® Secured Credit Card is another excellent choice. It offers cashback rewards while helping you build credit.

Discover it® Secured Credit Card
Earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases each quarter).
How to apply