Citi® Secured Mastercard® application: how does it work?

Are you considering applying for the Citi® Secured Mastercard® but are unsure how it all works? This guide will take you through the process step-by-step!


by Suzana Brito

10/15/2022 | Updated on 01/06/2023

Citi® Secured Mastercard®: Easy online application

Citi® logo
Learn about the Citi® Secured Mastercard® application! Source: Citi®

If you’re looking for a credit card with no annual fee, the Citi® Secured Mastercard® could be a good option. Read on to find out how to apply.


Credit Card

Citi® Secured Mastercard®

secured card no annual fee

No annual fee. Build credit.

You will be redirected to another website

This card is designed for people who are new to credit or have less-than-ideal credit scores. Here’s what you need to know about the Citi® Secured Mastercard® before you apply.

Apply online

male hands typing on a laptop
Learn how you can apply online for a Citi® Secured Mastercard. Source: Unsplash

Citi® Secured Mastercard® requires applicants to be at least 18 years old or older and residents of the USA.

Then when you fill out the application form, you will need to provide some personal and financial information,  such as your income address, date of birth, and Social Security number.

Then the decision will be based on your creditworthiness. If approved, you usually may hear from them in seconds.

In case of approval, you’ll have 14 business days to provide the banking account information you will use to make a security deposit.


Apply using the app

You can manage your account, check your balance, and control expenses on the Citi® app.

On the other hand, you are not allowed to apply for a card in the app. Before downloading the app, use your computer/cell phone to access the website.


Citi® Secured Mastercard® vs. GO2bank™ Secured Visa®

If you’re shopping for a secured card, we recommend looking at the GO2bank™ Secured Visa®.

This card comes with no annual fee, online management, and offers cash back. So, you can build or rebuild your credit while earning rewards for it.

However, before you jump into that, let’s compare the Citi® Secured Mastercard® with GO2bank™ Secured Visa® so that you can make an intelligent choice.

Citi® Secured Mastercard®

  • Credit Score: no minimum credit score;
  • Annual Fee: $0;
  • Regular APR: 26.74% variable APR for purchases and balance transfers; 29.49% variable APR for cash advances;
  • Welcome bonus: no welcome bonus;
  • Rewards: no rewards.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

GO2bank™ Secured Visa®

  • Credit Score: no minimum credit score;
  • Annual Fee: $0;
  • Regular APR: 22.99% APR for purchases and $26.99 APR for cash advances (variable);
  • Welcome bonus: none;
  • Rewards: N/A.

If you think the GO2bank™ Secured Visa® can be the best option for your finances, read our post below to learn how the application process works!

GO2bank™ Secured Visa ® Credit Card review2

How to apply for the GO2bank™ Secured Visa®

Find out if you are eligible for GO2bank™ Secured Visa® Card and learn the step-by-step to make your application today. Keep reading!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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