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Citi® Secured Mastercard®

Citi® Secured Mastercard®


Rated 3.5/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!

  • Regular Purchase APR 23.99% (Variable)
  • Intro Purchase APR N/A
  • Intro BT APR N/A
  • Annual Fee $0
  • Credit Needed

    Limited History/Good

  • Card Brand Mastercard®

Card Details


  • Click "APPLY NOW" to apply online
  • 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

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of each balance transfer; $5 minimum

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Rewards Rate Non-rewards card

Annual Fee $0

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance No

Extended Warranty Program No

Roadside Assistance No

Purchase Protection No

Travel Assistance No

Flight Accident Insurance No

Lost Luggage Reimbursement No

Concierge Service No

Expert Reviews

From the Editorial Team

For consumers who are trying to establish their credit history for the first time, or trying to rebuild their credit, the Citi® Secured Mastercard®, from our partner Citi, is an excellent option. With this credit card, customers must submit a security deposit ($200 minimum) to get approved, and they receive a card with a line of credit equal to the amount they deposit.

As cardholders get used to using a credit card, benefits like AutoPay, Online Bill Pay, and account alerts will help them make sure they’re starting on the right foot by always paying their bills on time. Unlike prepaid cards, your account activity on the Citi® Secured Mastercard® will report to the credit bureaus and help you build credit if you use it responsibly.

This card also comes with no annual fee. The ongoing APR of 23.99% (Variable) is pretty high, but it’s actually not bad compared to other credit cards for people with low credit scores. Also, you can avoid interest charges all together if you pay your balance off in full each month.

Expert Reviews of the Citi® Secured Mastercard®

  • 3.0

    Regular APR

  • Intro APR

  • 3.0


  • 3.5


  • star rating 3.5/5

    Overall Rating

The Bottom Line

The ongoing APR of 23.99% (Variable) is relatively low compared to other cards secured cards. Consumers have to start somewhere with building credit, and the Citi Secured Mastercard is a great option because it does not have an annual fee.

The Good

This is one of the few cards that is available to people who may have limited credit and can be a great tool for building a good credit history. Also, setting up AutoPay can help ensure that you never miss a payment.

The Not so Good

Since it's a secured card, you have to put down a security deposit to get approved. Also, there's no rewards program with this card, but that's usually the case for secured cards.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


18 Total Ratings

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