Start Building Credit With Confidence — Citi Secured Mastercard®

The Citi Secured Mastercard® is designed for individuals who want a reliable, structured path to building or rebuilding their credit. Whether you’re establishing credit for the first time, starting over after financial setbacks, or simply looking for a card that supports responsible financial habits, this secured card offers a straightforward and secure way to move forward.

Citi created this card to help people strengthen their financial foundation while learning to manage credit wisely. With no annual fee and monthly reporting to all three major credit bureaus, the Citi Secured Mastercard® gives you the tools you need to build a positive credit history — all while keeping your costs predictable.

Unlike traditional credit cards, this secured card uses a refundable security deposit to establish your credit limit. This makes it a great choice for those who may not qualify for unsecured cards yet, but want a dependable way to demonstrate responsible credit use.

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Why the Citi Secured Mastercard® Stands Out

This card focuses on simplicity, structure, and credit improvement. Here’s what makes it an excellent option:

• No annual fee, making it accessible for budget-conscious users
• Reports monthly to Equifax, Experian, and TransUnion
• Refundable security deposit, starting at $200
• Spending limit equals deposit, putting you in full control
• Worldwide Mastercard® acceptance
• Simple account management through Citi’s mobile app
• Tools to help you monitor your progress and build credit responsibly

Citi’s reputation for security, reliability, and customer support adds even more confidence for new or rebuilding cardholders.

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Perfect for Credit Beginners and Rebuilders

The Citi Secured Mastercard® is ideal for:

• Students or young adults starting their credit journey
• Individuals recovering from past financial difficulties
• Anyone denied for unsecured cards
• Those who want to improve their credit score for future approvals
• People who prefer straightforward, no-frills credit-building tools

If your goal is to qualify for future loans, credit cards, or rental agreements, this card gives you a safe, structured way to begin.

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A Simple, Safe Way to Build Credit

Your credit line is based on your refundable deposit, which ranges from $200 to $2,500 depending on your financial comfort level. With regular use and on-time payments, you’re actively building a credit history that lenders value.

Because Citi reports your activity every month, this card helps reinforce positive habits and provides a consistent path toward improving your score over time.

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Security and Convenience You Can Trust

The Citi Secured Mastercard® includes:

• Fraud protection
• $0 liability for unauthorized purchases
• Contactless payment options
• Secure online access and real-time alerts

These features ensure your account stays safe while you focus on building your financial profile.

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Build responsibly, grow steadily, and take control of your future — with the Citi Secured Mastercard®.

If you’re ready to begin your credit-building journey with a trusted bank and a simple, low-risk card, this secured Mastercard® is an excellent first step.