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Citi® Secured Mastercard®

The Citi® Secured Mastercard® is a no-frills option that can help build credit over time. Pay on-time for 18 months, and you may be upgraded to an unsecured card.

Card details

Annual fee: $0

Card Flag: Mastercard

Credit score: New credit

Type of card: Building credit

Card benefits

  • No annual fee credit card
  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus
  • You will also have free access to your FICO score online.
  • Use your card anywhere Mastercard® is accepted — worldwide.
  • 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.

For whom this card is recommended

As an entry point for customers with limited or no credit history, the Citi Secured Mastercard can help cardholders build their credit histories.

Although many unsecured credit cards offer benefits like rewards or cash back, Citi Secured Mastercard could be helpful for people who want to grow relationships with Citi.

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