Citi® Secured Mastercard®

Citi® Secured Mastercard®

Citi® Secured Mastercard®

Citi® Secured Mastercard®

Citi® Secured Mastercard®

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Card details

  • The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.

  • Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.

  • Use your card anywhere Mastercard® is accepted - worldwide.

  • A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).

  • Get help staying on track with Auto Pay and account alerts.

  • With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.

  • Manage your account 24/7 online, by phone, or in our mobile app.

  • The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    N/A

  • Ongoing APR

    APR: 22.49% Variable APR

    Penalty APR: Up to 29.99%, Variable

    Cash Advance APR: 25.24%, Variable

  • Balance transfer fee

    3% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

Citibank Citi® Secured Mastercard® Credit Card

Citi® Secured Mastercard®

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Learn more
Annual Fee

$0

Annual Fee

$0

Annual Fee

$0

Regular APR

22.49% Variable APR

Regular APR

22.99% Variable APR

Rates & Fees

Regular APR

18.00%, Variable

Intro APR

N/A

Intro APR

10.99% intro APR on Balance Transfers for 6 months

Intro APR

N/A

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Ben Luthi

Rating details

4.6

Editor's overall rating

Pros and cons

Pros
  • Qualify with limited / no credit

Cons
  • No rewards

  • High APR

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.