Home / Personal Credit Cards / Citi® Secured Mastercard®

Advertiser & Editorial Disclosure

Citi® Secured Mastercard®

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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

HighLow

Effort to Apply

DifficultEasy

Card Perks

PoorGood

Features

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.

Apply Now

Intro APR

N/A

Purchase APR

23.99% (Variable)

Annual Fee

$0

Foreign Transaction Fee

3%

Reviews

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For complete information, see the terms and conditions on the credit card, financing and service issuer’s website. In most cases, once you click “apply now”, you will be redirected to the issuer’s website where you may review the terms and conditions of the product before proceeding. While Nav always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms – and before applying you should understand the full terms of products as stated by the issuer itself.

Personal FICO credit scores and other credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit or financing type you are eligible for. Nav uses the Vantage 3.0 credit score to determine which credit offers are recommended which may differ from the credit score used by lenders and service providers. However, credit score alone does not guarantee or imply approval for any credit card, financing, or service offer.

Editorial Disclosure

Any personal views and opinions expressed are author’s alone, and do not necessarily reflect the viewpoint of Nav. Editorial content is not those of the companies mentioned, and has not been reviewed, approved or otherwise endorsed by any of these entities.

Reviews are not provided or commissioned by the credit card, financing and service companies that appear in this site. Reviews 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.