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Citi® Secured Mastercard® review

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Advertiser Disclosure

Annual Fee
Minimum Deposit
Interest Rate: Purchases
24.74% (Variable)
Balance Transfer
24.74% (Variable)

Informr score
The Citi® Secured Mastercard® currently has an Informr score of 7.3 out of 10. This score is based on our evaluation of 32 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 aimed at helping you get a better credit rating. If you don’t have any serious delinquencies on your credit history and you’ve got the cash for your deposit, it’s a good starting point. On the other hand, you might like a different Citi card if you want to earn rewar...

- Rebecca Lake, MyBankTracker

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.

- Kelly Dilworth,
U.S. News
U.S. News

This card can help you establish or improve your credit with no annual fee, but it requires a security deposit that will match your credit limit. You will want to avoid carrying a balance because the card charges a high interest rate on purchases.

- Jessica Merritt, U.S. News

The Citi Secured Mastercard offers an opportunity to build credit at a low cost. Its rates and fees beat out quite a few middle and lower-tier options, but the bare-bones Citi Secured is a few ranks shy of being crowned the top secured card. It’s a good option if you bank with Citi and plan to get a...

- Garrett Yarbrough, Bankrate
Credit Karma
Credit Karma

The Citi® Secured Mastercard® credit card is a bare-bones secured credit card for establishing credit. If you’re a newbie credit cardholder, this card may offer the tools and resources you need to build and maintain a positive credit history. The key phrase for this card is “bare bones” — there are...

- Ashley Chorpenning, Credit Karma


Interest Rates
Regular APR Interest Rate 24.74% (Variable)

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

Balance Transfer Interest Rate 24.74% (Variable)

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

Cash Advance Interest Rate 27.49% (Variable)

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

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

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 $41.00


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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