A no-fee secured card from a major bank for building or rebuilding credit.
Rates, fees and offers
- Regular APR
- Variable APR; see Citi's rates and terms.
- Annual fee
- $0
- Promo offers
- None currently advertised
- Balance transfer fee
- See Citi rates and terms
- Rewards
- No rewards. Refundable security deposit sets your credit line; payments are reported to the credit bureaus.
Checked September 26, 2026. Offers and rates change often, and your APR depends on your credit. See the issuer’s current terms ↗
Notes
Pay on time and keep the balance low. Many secured cards review you for an upgrade and a deposit refund after several months.
Paying and contacting Citi
- Pay online
- online.citi.com
- Customer service
- 1-800-842-6596 · 24/7 (lost/stolen line)
- Lost, stolen or fraud
- 1-800-950-5114
- Pay by mail
-
CITI CARDS
P.O. Box 70166
Philadelphia, PA 19176-0166Always check this against the payment address on your own statement: issuers use different addresses by region and product, and a payment mailed to the wrong address can arrive late.
- Billing disputes
- Citi Cards
P.O. Box 6500
Sioux Falls, SD 57117
See all Citi cards → · Search all cards
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