Learn how to apply for the Citi Secured Mastercard

Citi Secured Mastercard is a solid credit-building tool when used correctly. That is the central focus of this card.

I want the Citi Secured Mastercard credit card. What should I do?

Now that you have learned a little more about the Citi Secured Mastercard credit card, it is time to apply for yours and start building your credit consistently and responsibly. This is where the Citi Secured Mastercard credit card will help you.

It can help you establish good credit if you use it to borrow responsibly and pay on time. You will need to make a security deposit of at least $200. But don’t worry, you will be able to withdraw this amount when you close the card in good standing.


Citi Secured Mastercard credit card

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Citi Secured Mastercard is an option for customers with little or no credit history and can help you build your credit when used responsibly.

Once available, you will also have free access to your FICO score online. Tracking your score is a great first step to managing your credit history and taking control of your financial future.

Obviously, such a credit card, designed specifically for people who are new to credit or want to build their credit, will require you to be punctual by paying at least the minimum due on a timely basis each month.

Cardmembers also enjoy added benefits of their secured credit card, such as:

  • Using your card anywhere Mastercard® is accepted – worldwide
  • No annual membership fee.
  • Tools to help you stay on track, including Auto Pay, Account Alerts, and Flexible Payment due dates.

This can help you to build your credit history, following responsible management of your credit card account.

Who can apply?

As mentioned previously, you don’t need to have credit history to apply for your Citi Secured Mastercard.

Anyone is welcome to apply, however in order to be approved, you must meet Citi’s credit qualification criteria. This includes:

  • A review of your income and debt, any available credit information, as well as any other information Citi may have about your creditworthiness.
  • You must not have any pending bankruptcy or bankruptcy history in the last two years.

Then, as with any credit card, you may be declined based on the information you provide in your application or your available credit history.

You could also be declined if you fail to provide a security deposit when you apply.

How to apply?

Applying online

If you apply online, your application for the Citi Secured Mastercard will be reviewed immediately, which can take as little as 60 seconds for a response. If you’re approved, you’ll have 14 days to provide your bank account information, which will be used to fund your security deposit via electronic bank transfer, before we open your account.

Citibank may ask you to verify the bank account used for your security deposit to confirm that you have access to it.

You can start the whole process on the bank’s website.

Is it worth applying for a Citi Secured Mastercard credit card?

This card is great for helping people build or rebuild credit. Yet, if you are looking for a credit card that gives you rewards, you will have to search for another card, since that’s not the goal with a card like the Citi Secured Mastercard.

Focus on what is really important to you now, financially speaking, and then, yes, the Citi Secured Mastercard credit card will be a great ally in your path to a better credit score.

The Citi Secured Mastercard has a standard security deposit and competitive interest rate, which makes it a solid credit-building tool when used correctly.

Citi Secured Mastercard credit card vs Pink Credit Card

One thing that can be said about both credit cards is that they target specific needs. In the case of Citi Secured Mastercard, as we have seen, people restructuring their credit reputation. The Pink Credit Card, on the other hand, is even more specific, since its potential clients are people who usually shop at Victoria’s Secret often.

The bottom line is the more frequently you shop there, the more savings and bonuses you’ll earn. Everyone else should consider other products for their credit needs.

So if you are a regular customer of Victoria’s Secret, this card makes some sense. Additionally, Victoria’s Secret Credit Card can build credit if you pay the bill on time.

Citi Secured Mastercard credit card pros:

  • Minimum deposit of $200.
  • $0 fraud liability on unauthorized charges.
  • $0 annual fee.
  • Free monthly FICO credit scores.

Pink Credit Card pros:

  • 2% reward when you use the card on dining, travel, and streaming services.
  • Surprise gif and coupons.
  • Free shipping.
  • $25 off on your first online purchase.
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