Citi<sup>&reg;</sup> Secured Mastercard<sup>&reg;</sup>

Citi® Secured Mastercard®

on Citibank's secure application

Citi® Secured Mastercard®

Citi<sup>&reg;</sup> Secured Mastercard<sup>&reg;</sup>

Citi® Secured Mastercard®

on Citibank's secure application

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


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing Apr

    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

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NerdWallet Review

By Ben Luthi

Rating Details


Editor's overall rating

Pros and Cons

  • Qualify with limited / no credit

  • No rewards

  • High APR

NerdWallet adheres to strict standards of editorial integrity to help you make decisions with confidence. Some of the products we feature are from partners. Here’s how we make money.

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.

User Reviews

Rating Details

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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