Citi® Secured Mastercard®
Citi® Secured Mastercard®
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Credit Cards»Citi Credit Cards»Citi® Secured Mastercard®

Citi® Secured Mastercard®

Citi® Secured Mastercard®

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Our rating:3.1 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

No Credit History

When you click “See my approval odds” we’ll run a soft credit check to determine if you have Excellent, Good, Low, or Poor odds of being approved for cards on our site. Approval Odds serves as a guide to help you find the right credit card and will never affect your credit score.
Apply now at Citi's secure site
Balance Transfers Intro APR
N/A
Purchases Intro APR
N/A
Regular APR
23.99% (Variable)
Annual Fee
$0

Highlights

  • 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.

Features

  • EMV
    EMV
  • Free Credit Score
    Free Credit Score
  • Mobile Pay Ready
    Mobile Pay Ready
  • No Credit History
    No Credit History
  • Secured credit card
    Secured credit card
  • Zero Fraud Liability
    Zero Fraud Liability

Staff Review

Editor's Rating:

3.1 out of 5

Our take: A good starter card for those who are new to credit, the Citi Secured Mastercard allows cardholders to jumpstart their credit history without committing to a high annual fee.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.