Card details
No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
A security deposit is required for this product (minimum $200)
Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
Use the card anywhere Mastercard® is accepted — worldwide
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
None
Intro APR
N/A
Ongoing Apr
APR: 24.24% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 26.99%, Variable
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Foreign Transaction Fee
3%
Recommended credit score
NerdWallet Review
The Citi® Secured Mastercard® is a decent option if you're just starting to build credit. You won't get approved, however, if you've had a bankruptcy in the last two years. This suggests that the card may be difficult to get if you've experienced other credit missteps.
To be approved, you must provide between $200 and $2,500 for a security deposit, and your credit limit will match the deposit. The card's annual fee is $0.
For more information, see our full review.
To be approved, you must provide between $200 and $2,500 for a security deposit, and your credit limit will match the deposit. The card's annual fee is $0.
For more information, see our full review.
NerdWallet reviews are the result of independent research by our editorial team while cardholder reviews are contributions from independent users not affiliated with NerdWallet. Banks, issuers and credit card companies are not responsible for any content posted on the NerdWallet site, nor do they endorse or guarantee any posted comments or reviews.
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