Citi Secured® Mastercard®


For People with
Bad Credit

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. 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® Diamond Preferred® Card (Review).

Card Quick Facts

Card Quick Facts

  • A minimum security deposit of $200 is required when opening the card, 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 23.99% Variable

For People with
Bad Credit

Manage My Card

Want to pay a bill or check your balance?

Card Details

Rewards

Rewards

None

How to Redeem

Introductory Bonus

  • None
Card Stats

Card Stats

Annual Fee None
Additional Cards Annual Fee -
Regular Purchase APR 23.99% Variable
Intro Purchase APR -
Foreign Transaction Fee 3%
Chip Technology Chip-and-Signature
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 23.99% Variable
Balance Transfer Fee 3%; $5 minimum
Cash Advances

Cash Advances

Cash Advance APR 26.74% 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.

Visitor Reviews

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