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Citi® Secured Mastercard® review

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Advertiser Disclosure

Annual Fee
Minimum Deposit
Interest Rate: Purchases
22.49% (Variable)
Balance Transfer
22.49% (Variable)

Informr score
The Citi® Secured Mastercard® currently has an Informr score of 7.7 out of 10. This score is based on our evaluation of 21 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi® Secured Mastercard® is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA
Yes Provide a minimum security deposit of $200.

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...


The Citi Secured Mastercard is a good card if you don’t qualify for most types of credit cards because your credit history is too new or your credit score is below average. This card requires little-to-no credit history for approval, so it’s a viable option if you still want a credit card to help bu...

- Ben Walker, FinanceBuzz
Credit Card Insider

The Citi Secured Mastercard is Citi’s solution for poor or non-existent credit. It offers few benefits and no rewards, but the main point is to get your credit in shape so you can apply for stronger credit cards that have more extensive features.

- Brendan Harkness, Credit Card Insider
The Simple Dollar

Citi® Secured Mastercard® is a good choice for people who are trying to build up their credit so that they can have access to unsecured cards and other loans. There are no rewards or sign up bonuses, but if you always pay on time and don’t carry a balance, it’s an inexpensive card to own, and you ca...

- Valerie Fulton, The Simple Dollar

The Citi® Secured Mastercard® is a strong choice of secured card for most people. With no annual fee and a clear path toward an unsecured credit card, the Citi® Secured Mastercard® is one of the best secured credit cards on the market.

- TJ Porter, Cardcruncher
Compare Cards

The ongoing APR of 24.74%* (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.

- Compare Cards


Interest Rates
Regular APR Interest Rate 22.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 22.49% (Variable)

This APR will vary with the market based on the Prime Rate.

Cash Advance Interest Rate 25.24% (Variable)

This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 3%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection No
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments No
Virtual Cards Yes
Additional Benefits

Citi Identity Theft Solutions

Minimum Security Deposit $200
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

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