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
APR: 24.49% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 27.24%, Variable
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Foreign Transaction Fee
Recommended credit score
Not sure which card is best for you?
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.
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