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

Nav's Verdict

70% Complete
Effort to Apply
10% Complete
Card Perks
20% Complete
30% Complete


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.


No annual fee.


Have to make a minimum security deposit of $200.

Intro APR
Purchase APR
26.24% (Variable)
Annual Fee
Foreign Transaction Fee


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