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Citi Credit card
Citi® Secured Mastercard®
No rewards
MASTERCARD
Apply for Citi® Secured Mastercard®

On Citi's secure site

Compare similar cards
Credit card Citi Mastercard

Card review

Citi® Secured Mastercard®

4.3 4.3 out of 5 8.6/10 DebitCue Score Verified

Build or rebuild credit with a refundable security deposit.

Fee
No fee
Purchase APR
from 26.74%
Interest-free
-
Foreign fee
3%

Our verdict

What stands out, and where it falls short.

What we like

  • No card fee

Worth weighing

  • 3% foreign transaction fee
  • No rewards programme

Who It Is For

Whether the Citi® Secured Mastercard® fits how you actually spend.

Pick it if you are

  • Anyone who wants a low-cost everyday card

Skip it if you are

  • Frequent international travelers
  • Rewards-chasers

Rates and fees

As of

All amounts shown in USD.

Card fee
No fee
Purchase APR
from 26.74%
Interest-free period
-
Foreign transaction fee
3%
Purchase APR
26.74% variable
Annual Fee
$0
Foreign Transaction Fee
3%

Rewards and features

Pay with
Apple Pay, Google Pay, Contactless
Balance Transfer Fee
$5 or 5%, whichever is greater

Benefits and perks

Extras that come bundled with the card.

  • Credit Bureau Reporting
    Reports monthly to all three major credit bureaus (Equifax, Experian, TransUnion).
  • Free FICO Score
    Complimentary FICO credit score access through the Citi mobile app.
  • Deposit Review at 18 Months
    Citi reviews your account after 18 months to determine eligibility for security deposit return and potential upgrade to an unsecured card.

Eligibility

What you need before you apply.

Security Deposit
$200–$2,500 refundable deposit required; deposit amount equals credit limit

Citi® Secured Mastercard®: your questions answered

Does the Citi® Secured Mastercard® have a card fee?
No - the Citi® Secured Mastercard® has no card fee.
Does the Citi® Secured Mastercard® charge foreign transaction fees?
Yes - the Citi® Secured Mastercard® charges a 3% foreign transaction fee.
What is the interest rate on the Citi® Secured Mastercard®?
The Citi® Secured Mastercard® has a purchase APR of from 26.74%.
Is the Citi® Secured Mastercard® a credit, debit or prepaid card?
The Citi® Secured Mastercard® is a credit card issued by Citi on the Mastercard network.
Does the Citi® Secured Mastercard® support Apple Pay and Google Pay?
Yes - the Citi® Secured Mastercard® works with both Apple Pay and Google Pay.
Where can I get the Citi® Secured Mastercard®?
The Citi® Secured Mastercard® is currently offered in United States.
How does DebitCue rate the Citi® Secured Mastercard®?
DebitCue rates the Citi® Secured Mastercard® 4.3 out of 5 (8.6/10), scored on the same factors as every card - fees, rewards, perks and ease of use.
How do I apply for the Citi® Secured Mastercard®?
Use the Apply now button to continue on Citi's secure site. Comparing and applying through DebitCue is free.

Before you decide

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