Credit Cards (US)
How to apply for the Citi® Secured Mastercard®?
Do you need a card with credit-building features and no annual fee? Read on to learn how to apply for the Citi® Secured Mastercard®!
Citi® Secured Mastercard® application: No annual fee!
Are you in the market for a credit card that can help you get your feet on the financial ladder while keeping your risk minimal? You can learn how to apply for the Citi® Secured Mastercard®!
Also, the Citi® Secured Mastercard® is an amazing secure credit card option to build your score, and it has no annual fee!
Moreover, this card stands out from other secured cards and could help improve your personal portfolio!
Therefore, keep reading our post to learn more about this card and how to apply for the Citi® Secured Mastercard®!
Online Application Process
If you have a low credit score, you’ll still be able to have chances to qualify for this credit card. Therefore, you can start applying online through the official website!
So, to apply, you’ll need to fill out an online application form with the personal information required.
Then, you’ll submit your application and wait for a quick response from Citi! However, you need to know that Citi may perform a hard credit pull during the application.
You will be redirected to another website
By submitting this form, I agree that I am 18+ years old and I agree to the Privacy Policy and Terms and Conditions. I also provide my signature giving express consent to receive marketing communications via automated emails, SMS or MMS text messages and other forms of communication regarding financial products such as credit card and loans. Message frequency varies and represents our good faith effort to reach you regarding your inquiry. Message and data rates may apply. Text HELP for help or text STOP to cancel. I understand that my consent to receive communications is not a condition of purchase and I may revoke my consent at any time.
Application Process using the app
There is not much information about credit card applications through the Citi mobile app.
However, you can use your mobile app to get account alerts and keep track of your credit card. Therefore, the best way to apply is online through the official application form.
Citi® Secured Mastercard® vs. Discover it® Secured Card
Are you not so sure about getting the Citi® Secured Mastercard®? If so, you can try the Discover it® Secured Card! With this Discover card, you can build your credit and get cashback!
Moreover, this Discover it card can offer you a cashback match at the end of your first year with the card and up to 2x cashback on eligible purchases.
Also, you’ll get all of this for no annual fee! In addition, you can use this card to build your credit score!
So, read the comparison table below to learn more about these cards and decide which is the best for you!
Citi® Secured Mastercard® | Discover it® Secured Card | |
Credit Score | No minimum credit score. | All scores. |
APR* | 26.74% variable APR for purchases and balance transfers; 29.49% variable APR for cash advances. *Terms apply. | 10.99% intro balance transfer APR for 6 months from the date of the first transfer. Then, 27.24% variable APR; 27.24% variable APR for purchases; Also, a 29.24% variable APR for cash advances. *Terms apply. |
Annual Fee | There is no annual fee. | There is no annual fee. |
Fees* | 3% foreign transaction fee; $10 or 5% of each cash advance amount, whichever is greater; $5 or 5% of each balance transfer, whichever is greater. *Terms apply. | $10 or 5% of each cash advance amount, whichever is greater; 3% intro fee on balances transferred by May 10, 2023 (up to 5% fee for future balance transfers), *Terms apply. |
Welcome bonus* | No welcome bonuses. | Discover will automatically match all your cashback earned at the end of your first year. Terms apply. |
Rewards* | No rewards program, only benefits. | 2x cash back at gas stations and restaurants (up to $1,000 in combined purchases each quarter); 1% unlimited cashback on any other purchase. *Terms apply. |
Like what you see here? The following content will show you how to apply for the Discover it® Secured Card.
How to apply for the Discover it® Secured Card
Do you have a low credit score and need a credit card? The Discover it® Secured Credit Card can be a great fit for you! Read more to know how to apply!
Victória Lourenço
Aline Barbosa
Senior Editor
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