Take advantage of the Citi® Secured Mastercard® Card to start building your credit score and making purchases safely. This card is perfect for people who are looking to establish their credit history, as Citi reports your payments to the major credit bureaus every month. 

Plus, Citi provides access to a number of helpful tools and resources to help you stay on top of your credit.

The card has a variable 26.99% APR and no annual fee, so you can get the most out of this card while building or repairing your credit.

This card comes with an initial security deposit of $200 required, which is refundable when you close the account. You can choose to deposit up to $2,500 and the amount in your account will serve as your credit limit.

You can use your card anywhere in the world where Mastercard® is accepted. However, Citi charges a 3% foreign transaction fee if you use the card on international purchases. 

You can set up automatic account alerts to track your spending and choose your payment due date. The Citi® Secured Mastercard® Card offers contactless payments and you set it up on your digital wallets for added security when you shop. 

So if you’re ready to start your credit building journey with confidence, keep reading and learn how you can easily apply for the Citi® Secured Mastercard® Card. 

Applying for the Citi® Secured Mastercard® Card is simple, and it only takes a few minutes of your time. The first step is to head over to Citi’s official website. Then, click on “credit cards” and “view all credit cards” on the top menu.

Scroll down until you see the Citi® Secured and click on “apply now”. Now you’ll have to provide them with some personal and financial information about yourself. Write down everything correctly and double check to make sure it all checks out.

Enter how much you’d wish to deposit as your credit line and scroll down to read their Terms & Conditions.

Check all the necessary boxes and, finally, click on “agree and submit”. Citi will review your application immediately and you may get a response in just 60 seconds.

If you’re approved, you’ll need to fund your security deposit and wait for Citi to issue your card.

The card should then arrive at your address within a few business days and you can activate it online or by calling customer services. 

You can manage your Citi® Secured Mastercard® Card account using the app, but you can’t apply from it. To request the card, you must apply online using the steps described on the topic above. 

If you’d like to check out another secured option, we recommend the Platinum Secured Credit Card from Capital One.

With a low security deposit requirement and no annual fee, it works similarly to the Citi® Secured, but has some key differences you might enjoy.

In the following link, we’ll look over its features, pros and cons so you can compare both alternatives and decide which one fits your lifestyle better.

Read on to get a closer look at the Platinum Secured Credit Card from Capital One.