Citi® Secured MasterCard®

82 Reviews

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Citi® Secured MasterCard®

82 Reviews

Start building credit for tomorrow
A security deposit is required for this product (minimum $200)
Unlike a prepaid card, it helps build credit history, with monthly notifications to the credit bureaus
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

Annual Fee:

Purchase Intro APR:

N/A

Purchase Regular APR:

22.24%*

Variable

Balance Transfer Intro APR:

N/A

Balance Transfer Regular APR:

22.24%*

Variable

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	25.49%
Cash Advance Fee	5%, Min: $10
Late Fee	Up to $35
Penalty APR	Up to 29.99%
Balance Transfer Fee	3%, Min: $5
Foreign Transaction Fee	3%
Return Payment Fee	Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Helpful Positive Review

by CowboynSpurs2121

Helpful to 362 out of 387

So I applied with good odds and was denied, my wife was approved... She made the deposit, card came in 7 days. Wife called Citi to add me to her account and now I have my own. And then I tried for Capital 1 card silver and we both got approved. So I waited 3 months later notice my credit has been increasing good. So I tried the Discover it denied... My wife got approved, she got her card and later added me to her card. Now I have Cap 1, Discover and Citi. But what I'm saying is if you have a spouse and you were denied they should try and if he or she is approved, they can add you to the account and it will build you both up. My score 576 and my wife's was lower at 540. Now she's at 600 an I'm at a 590. I'll be glad to get out the poor score level.

Most Helpful Negative Review

Past customer don't apply

by naren1988

Helpful to 178 out of 197

If you're a citicard customer in the past don't apply for this card they don't approve it for existing or past customers. Above that they will have a hard inquiry. Please consider my suggestion before applying

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Our Take

The Citi® Secured MasterCard® is a great option for consumers looking for a starter card to help build their credit through responsible use and on-time payments.

What to Like

The Citi® Secured MasterCard® is available to people with little or no credit, and reports monthly to the major credit bureaus. There are also no application fees associated with this card, though note the required security deposit.

Look Out For

It’s a secured credit card, meaning you’ll have to put down a security deposit equal to the size of your credit limit. There’s also a relatively high APR.

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† 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 March 2016 through August 2016. 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.

Advertiser Disclosure: The offers that appear on this site are from third party advertisers from which Credit Karma receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). It is this compensation that enables Credit Karma to provide you with services like free access to your credit scores and free monitoring of your credit and financial accounts at no charge. Credit Karma strives to provide a wide array of offers for our members, but our offers do not represent all financial services companies or products.

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