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 - No Late Fees Ever (Review).

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 -
Returned Payment Fee Up to $39
Balance Transfers

Balance Transfers

Intro Balance Transfer APR -
Regular Balance Transfer APR 24.49%* (Variable)
Balance Transfer Fee 3% of each balance transfer; $5 minimum.
Cash Advances

Cash Advances

Cash Advance APR 27.24% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum

Card Benefits

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

  • 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:  
 2 reviews
by Paula
Awesome!!!

Citi is so easy to work with. I’ve never had to call them. I love the app and it’s simplicity. I only have a $200 limit and I pay it off as I use it. When I make payments via the app it is automatic!!! I love having a citi bank card!!!

by C king
Best thing i did

To just in 2 months my credit skyrocketed 60 Points I am so thankful that I even did get the card If you have the opportunity jump on it because they will help your credit in the little bit of time you will see that your credit will be Going up-and-up and up long as you pay one time in its $25 I always sin $50 or more

The Insider

Abigail Welles
How to Protect Yourself From Credit Card Fraud: Scams, Skimmers, and Phishing
Abigail Welles | Sep 20, 2019

Do you know what a credit card skimmer is? You may have swiped your card through one without even knowing, leaving your information in the hands of a thief.

Read More
Jacob Lunduski
2019 Survey: 40% of Retail Store Credit Cardholders Regret Applying
Jacob Lunduski | Sep 19, 2019

Do you have a retail store credit card? Is it useful, or do you get hit with interest and fees? Learn why so many people regret getting store cards here.

Read More
Abigail Welles
What Is a Data Breach and What Should I Do If I Am a Victim of One?
Abigail Welles | Sep 17, 2019

Data breaches are more common than ever, exposing the confidential information of millions of Americans each year. Have you been involved in a breach?

Read More