The Ultimate Guide to Credit Cards
Monday, August 2, 2021

Citi® Secured Mastercard®

► 2021 Review, Application & Rates

"The Citi® Secured Mastercard® is a credit-building card for people with no, limited, or bad credit history. It doesn't offer rewards like comparable cards do, but is still a solid option to help improve a credit score with responsible use."
- Toby Sembower,
Advertiser Disclosure
Citi® Secured Mastercard® Review

at the issuer'ssecure website

BEST OVERALL RATING

★★★★

4.4

OVERALL RATING

4.4/5.0
  • 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 22.49%. Citi Flex Plan offers are made available at Citi’s discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
N/A
N/A
22.49% Variable
$0
Limited History, No Credit, New-to-Credit

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

Bad Credit
(Ranked #16 out of 30)
★★★★
4.3
Best Overall
(Ranked #74 out of 130)
★★★★
4.4
No/Limited Credit
(Ranked #11 out of 27)
★★★★
4.4
Secured
(Ranked #5 out of 17)
★★★★★
4.6

Advertiser Disclosure

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.