Citibank

Citi Secured Mastercard

Secured credit cards

A secured credit card with no annual fee and a refundable $200–$2,500 deposit that sets the credit limit. Citi reviews income, debts and credit information. An SSN or ITIN is accepted on the application; approval is not guaranteed.

Pros

  • $0 annual fee.
  • Reports to major credit bureaus.
  • Free online FICO score access.
  • Credit limit equals the refundable security deposit.

Cons

  • Choose a $200–$2,500 deposit in $100 increments; deposit and credit limit are equal.
  • After online approval, provide deposit funding account information within 14 days.
  • Income, debt and credit review apply; approval is not guaranteed. No pending bankruptcy or bankruptcy history in the last two years.
  • Confirm purchase APR and other charges in the application disclosures.
  • Graduation reviews start at nine months and then occur on a 12-month basis; approval requires a valid SSN on file and is not guaranteed.
  • This card does not earn standard purchase rewards.

Generated from the provider's published terms and reviewed against official sources.

Eligibility and application requirements

U.S. address: Not confirmed

Residency and other conditions: Credit approval includes income, existing debts and available credit information. After online approval, provide bank-account information within 14 days to fund the deposit by electronic transfer. Bank verification may be required. Confirm identity and address eligibility on the application.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 03 Nov 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare secured credit cards requirements and costs · How we assess published requirements

Annual fee 0 (currency not confirmed)
Security deposit 200–2500 (currency not confirmed)
Purchase APR Not confirmed
Foreign currency fee Not confirmed
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Official terms

Checked 3 Nov 2026

Rewards

Not confirmed

What you need to apply

  • Eligible residential address in the U.S. · Minimum age: 18+
  • Credit approval required; paying the security deposit does not guarantee approval.
  • SSN: Conditional
  • ITIN / alternative ID: Accepted
Credit check

Not confirmed — Hard inquiry inferred from issuer guidance.

How the security deposit works

  • Required deposit: 200–2500 (currency not confirmed)
  • Funds remain unavailable for spending or withdrawal while pledged.
  • Deposit return / upgrade to an unsecured card is subject to review.

Remaining costs

No additional reviewed fees are currently listed.

Official sources
Verification notes

Last reviewed: 3 Nov 2026. Details are based on the provider’s published materials at that time.

Read official terms ↗

This information is educational and does not guarantee eligibility or approval. The provider makes the final decision.

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