Card Details

Regular APR:	24.24% (Variable)
Intro APR (Purchases):	None
Intro APR (Balance transfers):	None
Rewards Rate:	None
Credit Needed:	(0 – 300) Bad/Limited/No
Annual Fee:	None
Card Brand:	Mastercard

*See online credit card application for details on the terms and conditions.

Offer Highlights

Click APPLY NOW to apply online
Help build your credit history by using your card responsibly
A security deposit is required for this product (minimum of $200). The security deposit is always equal to your credit limit
If you are approved and you deposit $200, your credit limit (the maximum amount you can spend) is $200
Use it anywhere Mastercard is accepted with $0 liability on unauthorized charges
No Annual Fee

Is Citi Secured Mastercard worth it?

Citi Secured Mastercard is a great card for people looking to build their credit by putting down a deposit. By using this card and making on-time payments – 18 months recommended – you can increase your credit limit and increase your credit score. You are ineligible for this card if your credit shows any bankruptcy history within the last two years.

Pros

Build your credit
Monthly reporting to all 3 major credit bureaus
Minimum security deposit of $200 is on the low end for secured cards
No annual fee

Cons

No rewards
Requires credit check
High regular APR for a secured card: you would be paying interest at 24.24% APR on a loan you gave yourself

Why 5 Stars?

Regular APR

4 Stars

Intro APR

4 Stars

Fees

4 Stars

Perks

4 Stars

Overall

4 Stars

Fees

Foreign Transaction Fee	3%
Balance Transfer Fee	Either $5 or 3% of the amount of each transfer, whichever is greater
Cash Advance Fee	Either $10 or 5% of the amount of each cash advance, whichever is greater
Penalty APR	Up to 29.99%

Benefits

$0 Fraud Liability

Get Started with Citi Secured Mastercard

Editorial Note: This content is not provided by the issuer. Any opinion, analyses, reviews, or recommendations expressed on this page are those of the author?s alone, and may not have been reviewed, approved or otherwise endorsed by the issuer.

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Card Details	The Offer	Is it Worth It?
Pros and Cons	Why 4 Stars?	Fees
Benefits