Secured Mastercard®
The Bottom Line
2.5
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Citi® Secured Mastercard® is a simple option for people who want to build or rebuild credit. It doesn’t offer rewards, but it features no annual fee and access to Citi’s account management and security tools. With responsible use, it can help establish a positive payment history and improve your credit score over time, making it a good choice for those focused purely on credit building rather than earning cashback or perks.
Secured Mastercard®
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.99% Variable APR
Credit Score
300-669 (Poor/Fair)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Fees and APR
- Minimum Security Deposit: A minimum security deposit of $200 (maximum of $2,500) is required to open this account. Upon approval, your credit line will match your deposit amount.
- Annual Fee: $0.
- Regular APR: 25.99% Variable APR.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Additional Features
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month.
- Automatic Payments: Set up AutoPay to pay your balance automatically, so you don’t have to log in and pay manually each month.
- Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
- Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
- Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
- Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
- Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
- 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
Terms and Conditions
Click Apply Now to see the terms and conditions.