The Ultimate Guide to Credit Cards
Thursday, October 28, 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





  • 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
22.49% Variable
Limited History, No Credit, New-to-Credit

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

Bad Credit
(Ranked #19 out of 34)
Best Overall
(Ranked #83 out of 146)
No/Limited Credit
(Ranked #17 out of 33)
(Ranked #7 out of 18)

Advertiser Disclosure

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