Citi® Secured Mastercard®

Citi® Secured Mastercard®
  • 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 23.99%. Citi Flex Plan offers are made available at Citi's discretion

Nav's Verdict

Cost
70% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
20% Complete
PoorGood
Features
30% Complete
PoorGood

6/10

Bottom Line

If you have no credit, a secured card is a great way to build your credit with responsible use. Many secured cards can do more harm than good, so going with a card from a financial institution like Citi is great.

Pros

No annual fee.

Cons

Have to make a minimum security deposit of $200.

Intro APR
N/A
Purchase APR
23.99% (Variable)
Annual Fee
$0
Foreign Transaction Fee
3%

Reviews

Reviews Disclosure: The responses below are not provided or commissioned by the credit card, financing and service companies that appear on this site. Responses have not been reviewed, approved or otherwise endorsed by the credit card, financing and service companies and it is not their responsibility to ensure all posts and/or questions are answered.