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Citi® Secured Mastercard® review

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Advertiser Disclosure

Annual Fee
Minimum Deposit
Interest Rate: Purchases
27.74% (Variable)
Balance Transfer
27.74% (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 33 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 Ascent
The Ascent

Makes for a great starter card, particularly with no annual fee and the ability to graduate to an unsecured credit card with good credit hygiene.

- Lyle Daly, The Ascent

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,

The Citi® Secured Mastercard® is best suited for those who have a less than ideal credit score and want to build good credit. It is also a good choice for those who do not have a credit score at all.

- Brett Holzhauer, MoneyGeek

An inexpensive credit-building tool for people with limited credit. The Citi Secured Card has a $0 annual fee, reports account info to the major credit bureaus each month, and offers nearly guaranteed approval to applicants who can pay the card’s $200 refundable security deposit.

- John S Kiernan, WalletHub

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


Interest Rates
Regular APR Interest Rate 27.74% (Variable)

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

Balance Transfer Interest Rate 27.74% (Variable)

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

Cash Advance Interest Rate 29.99% (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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