Citi® Secured Mastercard®
- Annual fee
- None
- Recommended credit
- No Credit Required
- Card network
- Mastercard
- Regular purchase APR
- 27.24% (Variable)
At a glance
The Citi® Secured Mastercard® is a basic secured credit card that provides all the benefits of a Mastercard credit card but with the credit building security of a cash deposit. The card features no annual fee or maintenance fees.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
Who this card may suit
- You have no credit history and want to start building up your credit score
- You want free fraud monitoring and the ability to track your expenses online 24/7
- You do not want to pay an annual fee
- You want a card that reports to the major credit bureaus"
Rates, fees and terms
| Annual Fee | None |
|---|---|
| Regular Purchase APR | 27.24% (Variable) |
| Balance Transfer APR | 27.24% (Variable) |
| Balance Transfer Transaction Fee | Either $5 or 3% of the amount of each transfer, whichever is greater |
| Cash Advance APR | 29.99% (Variable) |
| Cash Advance Transaction Fee | Either $10 or 5% of the amount of each cash advance, whichever is greater |
| Foreign Transaction Fee | 3% of the transaction amount in U.S. dollars |
| Penalty APR | Up to 29.99% variable based on your creditworthiness and the Prime Rate |
| Late Payment Penalty Fee | Up to $41 |
| Return Payment Penalty Fee | Up to $41 |
| Minimum Deposit Required | $200 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Limited or No Credit.
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Citi® Secured Mastercard®
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