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

Citi® Secured Mastercard®

on Citibank's application

Citi® Secured Mastercard®

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

Citi® Secured Mastercard®

on Citibank's application

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 23.99%. Citi Flex Plan offers are made available at Citi's discretion

Rates, fees & offers

  • Annual fee


  • Rewards rate


  • Bonus offer


  • Intro APR


  • Ongoing APR

    APR: 23.99% Variable APR

    Penalty APR: Up to 29.99%, Variable

    Cash Advance APR: 26.74%, 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.