The Ultimate Guide to Credit Cards
Wednesday, October 5, 2022

Citi® Secured Mastercard®

► 2022 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





  • 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
25.49% (Variable)
Limited History, No Credit, New-to-Credit

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

Best Overall
(Ranked #83 out of 152)
No/Limited Credit
(Ranked #21 out of 36)
(Ranked #7 out of 20)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.