Citi® Secured Mastercard®
on Citibank's application
Citi® Secured Mastercard®
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
 Citi® Secured Mastercard® |  Navy Federal Credit Union® nRewards® Secured Credit Card | |
|---|---|---|
| Learn more | ||
Annual Fee$0 | Annual Fee$0 | Annual Fee$0 |
Regular APR22.49% Variable APR | Regular APR18.00%, Variable | |
Intro APRN/A | Intro APR10.99% intro APR on Balance Transfers for 6 months | Intro APRN/A |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
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
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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.
