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Citi® Secured Mastercard®

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Our rating
Credit range: Bad
Annual Fee: $0
Regular APR: 23.99% (Variable)

Citi® Secured Mastercard®

Our rating
Bad Credit range
$0 Annual Fee
How To Apply Read our Review

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR None
Regular Balance Transfer APR 23.99% (Variable)
Balance Transfer Fee 3% of each balance transfer; $5 minimum.
How to Transfer a Balance on a Credit Card

Fees

Penalty APR 29.99% Variable
Late Fee Up to $39
Returned Payment Fee Up to $39
Additional Cards Annual Fee None
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 26.74% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card
ABOUT THE ISSUER

Citi

Citi has several card types depending on your needs.

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

1-800-950-5114 or

Try a different phone number
See all Issuer Cards

The Citi® Secured Mastercard® is very simple, with no rewards and no annual fee. It’s a secured credit card, which means it requires a refundable security deposit when you’re approved.

This card has a minimum security deposit of $200, with a maximum of $2,500. Your credit limit will be equivalent to the amount of your deposit. If you don’t have a bank account you can apply for this card in person at a Citibank.

If you use this card responsibly, Citi may give your security deposit back and offer an upgrade to an unsecured card, such as the Citi Simplicity® Card - No Late Fees Ever (Review).