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Pros & Cons
Pros
- +No annual fee
Cons
- –No purchase protection
Our Review
Build Your Credit Confidently with the Citi® Secured Mastercard®
- Security deposit: $200–$2,500, matching your credit limit
- No annual fee: $0 annual cost
- Reports to all 3 credit bureaus: Establish or rebuild your credit history
- Auto review: Potential upgrade to an unsecured card after 18 months
- Flexible payments: Choose your due date and set up account alerts
Kickstart your credit journey with a card designed for newcomers. Fund your security deposit, use the card responsibly, and watch your on‑time payments build your credit profile. Enjoy zero annual fees, customizable payment dates and real‑time alerts to keep you on track. Citi will automatically review your account after 18 months to see if you qualify for an unsecured card and a refund of your deposit—no new application needed. With worldwide Mastercard® acceptance and convenient online and mobile account management, this card gives you the tools to succeed.
Terms apply. Variable APR 26.74%–29.49%. Foreign transaction fee 3%. Security deposit required. See full terms for details.
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