Citi® Secured Mastercard®

Apply now
  • 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.
Annual Fee:
Purchase Intro APR:
Purchase Regular APR:
Balance Transfer Intro APR:
Balance Transfer Regular APR:

Details, Rates & Fees

Click here for Additional Details

(Will launch in a new browser window)

* 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

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
Worth it!
by anareyes89
Helpful to 1281 out of 1323

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!

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 Negative Review
Long wait times
by EMTGuy777
Helpful to 1285 out of 1399

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. 

Similar Offers

† 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 October 2018 through March 2019. 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.

My Saved Cards
Welcome to My Saved Cards
Save and compare credit cards to find the best fit for you. All you need to do is find cards you like and check the Compare This Card box. When you’re ready to review, click the compare button that appears in this menu.