Citi® Secured Mastercard®

Apply Nowon Citibank's secure website
Apply Nowon Citibank's secure website

Citi® Secured Mastercard®

Apply Nowon Citibank's secure website
Apply Nowon Citibank's secure website

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

APR, Variable

APR: 23.49% Variable APR

Penalty APR: Up to 29.99%, Variable

Cash Advance APR: 26.24%, Variable

Pros

  • Qualify with limited / no credit

Cons

  • No rewards
  • High APR

Rewards rate

0.00%

Annual fee

$0

Intro APR

N/A

Recommended credit score

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NerdWallet Review

Author: Ben Luthi

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.

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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