Citi® Secured Mastercard®


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 (Review).

Card Quick Facts

Card Quick Facts

  • Secured credit card
  • Requires a minimum security deposit of $200, with a maximum of $2,500
  • The credit limit will be equal to the security deposit
  • Users can qualify with limited credit
  • Citi Identity Theft Solutions
  • No rewards
  • No annual fee
  • Purchase and balance transfer APR of 24.49% Variable

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

This card does not offer rewards.
Card Stats

Card Stats

Annual Fee $0
Additional Cards Annual Fee -
Regular Purchase APR 24.49% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature & Chip-and-PIN
Minimum Credit Limit $200
Maximum Credit Limit -
Free Credit Score No
Penalty APR 29.99% Variable
Late Fee Up to $35
Returned Payment Fee Up to $35
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.49% Variable
Balance Transfer Fee 3%, $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 27.24% Variable
Cash Advance Fee 5%, $10 minimum

Card Benefits

Check your card’s Guide to Benefits to learn the specific benefits your card offers and how to access them.

  • Security Deposit

    This card requires a security deposit of $200 to $2,500 when approved.

  • Mastercard Benefits

    You will be provided with a Guide to Benefits detailing your card benefits once you are approved for the card.

  • Citi Identity Theft Solutions

    If you become a victim of identity theft, Citi will provide assistance and instructions on what to do.

  • $0 Fraud Liability

    You won’t be held responsible for fraudulent charges (contact customer support if you suspect fraud).

Visitor Reviews

Read about experiences others have had with this card and leave your own review here.

Submit your review
1
2
3
4
5
Submit
     
Cancel

Create your own review

Average rating:  
 0 reviews

The Insider

Michelle Black
Credit Locks vs. Credit Freezes — What’s the Difference?
Michelle Black | Jan 21, 2019

What's the best way to protect your credit reports from identity thieves? Is a credit freeze or a credit lock the way to go?

Read More
Susan Shain
Here’s the Best Credit Card for Groceries, Plus 6 Runners-Up
Susan Shain | Jan 14, 2019

We combed the fine print to crown the best grocery credit card in all the land. We name six runners-up for different types of grocery shoppers, too.

Read More
Michelle Black
How to Place Fraud Alerts on Your Credit Reports
Michelle Black | Jan 04, 2019

Fraud alerts are protective measures you can take to help prevent identity theft, requiring companies to verify your identity before extending new credit.

Read More