Citi Secured Mastercard: Build Your Credit History with Security and Exclusive Benefits
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An accessible, no-annual-fee card that helps you take the first step toward financial success
Build Your Credit with Confidence: Citi® Secured Mastercard®
If you’re looking to build or improve your credit history, the Citi® Secured Mastercard® could be the ideal solution. With responsible use, your activity is reported to the three major credit bureaus, helping you establish a strong and reliable financial profile.
This card also offers essential features such as:
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$0 annual fee
Fraud protection with zero liability on unauthorized charges
Flexible payment due dates
Free access to your FICO® Score
Backed by Citi, one of the most trusted names in global finance, this secured card is a smart starting point for your credit journey.
Why Choose the Citi® Secured Mastercard®?
The Citi Secured Mastercard is designed specifically for individuals who need a secure, structured way to start building credit. Here’s how it works:
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You make a refundable security deposit between $200 and $2,500
Your credit limit matches your deposit
You use the card just like a traditional credit card, but with greater control over your spending
In addition to basic functionality, you’ll enjoy tools to help manage your account, including:
Automatic payments
Real-time account monitoring
24/7 customer support
This makes it easy to stay on track with your finances and grow your credit responsibly.
Pros and Cons
Pros
No annual fee – Use your card without worrying about recurring costs
Free FICO® Score access – Track your credit-building progress anytime
$0 fraud liability – Stay protected against unauthorized transactions
Cons
Security deposit required – Your initial credit limit is tied to the amount you deposit
Foreign transaction fee – A 3% fee applies to purchases made in non-U.S. currencies
How to Apply for the Citi® Secured Mastercard®
Getting started is easy and secure:
Visit the official Citi website
Click the “Apply Now” button
Fill in your personal and financial information
Choose your security deposit amount (between $200–$2,500)
Review the terms and submit your application
Once approved, your deposit will be held in a secured account, and you’ll receive a credit limit equal to your deposit.
Take Control of Your Financial Future
The Citi Secured Mastercard is a reliable, low-risk way to begin your credit-building journey. With no annual fee and helpful tools to guide your progress, this card empowers you to build credit responsibly and confidently.
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