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- Min. deposit$200Refundable
- Regular purchase APR22.49% Variable
- Annual fee$0
Additional rates & fees
- Annual fee
- $0
- Intro purchase APR
- N/A
- Regular purchase APR
- 22.49% Variable
- Intro balance transfer APR
- N/A
- Regular balance transfer APR
- 22.49% Variable
- Cash advance APR
- 25.24% Variable
- Cash advance fee
- 5%, Min: $10
- Late fee
- Up to $40
- Penalty APR
- Up to 29.99% Variable
- Balance transfer fee
- Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
- Foreign transaction fee
- 3%
- Return payment fee
- Up to $40
* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
Card details
- 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.
- The standard variable APR for Citi Flex Plan is 22.49%. Citi Flex Plan offers are made available at Citi's discretion.