This offer is no longer available on our site: Citi® Secured Mastercard®

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Citi® Secured Mastercard®

Updated:

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683 reviews from Intuit Credit Karma members

2.7

Rating: 2.7 out of 5.

N/A

Annual Fee: $0

This content is curated by Intuit Credit Karma’s Editorial team using data from members who were approved for this card or similar cards, or who self-matched this card or similar cards. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors’ opinions. Our third-party advertisers don’t review, approve or endorse this content. Information about financial products not offered on Credit Karma is collected independently. Our content is accurate to the best of our knowledge when posted.

Here’s the average credit limit of members who matched their Citi® Secured Mastercard® or similar cards.

% of members by credit limit range

$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 83% 5% 6% 4% 2%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 83% 5% 6% 4% 2%
$0-$3K $3K-$5K $5K-$10K $10K-$20K $20K+ 0% 10% 20% 30% 40% 50% 60% 70% 80% 90% 83% 5% 6% 4% 2%

The average credit limit for members who have matched with this card or similar cards is $2,102, with $200 being the most common.

Here’s the average credit score of members who matched their Citi® Secured Mastercard® or similar cards.

% of members by credit score range

Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 3% 52% 20% 22% 3%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 3% 52% 20% 22% 3%
Thin file Poor Fair Good Excellent 0% 10% 20% 30% 40% 50% 60% 3% 52% 20% 22% 3%

The average credit score for members who have matched with this card or similar cards is 604, with 572 being the most common. Note this is just one of the deciding factors when it comes to getting approved.


Member stats

Updated daily

50.2%

Average credit utilization (or what percent of the card’s credit limit is being used) of members who matched with this card or similar cards.

41 years

Average age of members who matched this card or similar cards.

$73,894

Average annual income of members who matched this card or similar cards. Note: Income may be estimated for some members by Credit Karma and may differ from members’ actual incomes.



Member review

Overall rating:

2.7

Rating: 2.7 out of 5.

683 reviews from Intuit Credit Karma members

Most helpful positive review

November 2, 2017

5

Rating: 5 out of 5.

I love this card

Credit Karma Member

7/1/17 I went with this card because the capital one card wouldn't approve me (collections from capital one 4 years ago) and the beginning was rough. They said my application will take further review and they will have an answer for me in 1 week. By day 4 the 200$ was taken out of my account. Still no word on if I was approved or not. 2 weeks went by, still no update. I called at 2 1/2 weeks and they said my application is still pending. I stated the deposit has already been pulled and I don't understand why they would pull and not approve the application. The customer service was very friendly. Few days later I was approved. Took just over a week after that to receive the card. Two weeks after that I get an email from Credit Karma saying my score changed. I looked and this card jumped me up 35 points. I have 2 things in collections and a judgement of 3,000. My score started at 451. I have not paid anything (yet) and my score after one month of opening the card is 532. This card has jumped me over 80 points in a month. Pretty happy. Update 11/2/17 Okay! It's been 5 months since I've had this card, I have not paid any of my collections. One medical and one from capital one for almost $500. My score is now 600. This card has not only raised my credit score 150 points, but I am also now approved with Capital One secured card! I only needed to give them $49 for a deposit and have a $200 limit. I originally wanted the capital one card but was denied but approved for this one. I cannot express how happy I am to be on the road to recovery on my credit! All payments made on time, never any issues, and my new card will be here in a few weeks! Let's see how fast my score raises now! ????????????

Most helpful negative review

July 27, 2022

1

Rating: 1 out of 5.

WORST Card EVER

Credit Karma Member

Horrible. I’ve been two years with the card. And every time that they supposed to review my acct, they tell me that I need one more year to get me my deposit back. I opened DISCOVER SECURED CARD and at 6 months they already return me my deposit and increase my credit limit. Please DO NOT apply for this card. If you use $25 and pay in time they just add 1 point to you credit. And later, they apply-3 to you credit score just for using it. Bad bad bad

All member reviews