- No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
- A security deposit is required for this product (minimum $200)
- Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
- Use the card anywhere Mastercard® is accepted — worldwide
Details, Rates & Fees
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* 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.
| Cash Advance Rate | 27.49%* Variable |
| Cash Advance Fee | 5%, Min: $10 |
| Late Fee | Up to $39 |
| Penalty APR | Up to 29.99%* Variable |
| Balance Transfer Fee | 3%, Min: $5 |
| Foreign Transaction Fee | 3% |
| Return Payment Fee | Up to $39 |
Cardholders' Reviews
Let me start out by saying that this card is definitely worth it! I was young and dumb and really damaged my credit, about a year ago is when I really began to start wanting to clean it up. I applied for the Capitol One secured card, got approved, but forgot to fund the deposit so when I applied for it a second time, I was denied. Credit Karma suggested the Citi Secured card and I figured it wouldn't hurt to try. I got approved and have been using my card for about a month. I use it for gas and small food purchases. In that month my score shot up 58 points! It was a great feeling. If you're like me and read reviews, take my advice, get the card, its worth it!
I applied for this card on 4/22/2018 and it took until 6/17/2018 to be approved. In that time period I applied for a card with Discover and was approved in ten minutes over the phone. There was no change to my credit in that time period to affect either decision. Once I started to use my Discover card I realized that it was literally better than the Citi card in every way. I called to cancel my Citi card and was told they would mail their credit approval department (they couldn't even call their own employees). After my experiences with Citi and their customer service I recommend that you only apply for this card if you have no other option. The card has no benefits, they take forever, and there are much better options out there with either Discover or Capital One.
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- Select “Apply Now” to learn more about the product features, terms, and conditions
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from July 2018 through December 2018. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.