Citi Secured Mastercard
in Personal Credit Cards from Citibank
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| Annual Fee | $0 |
| Purchase APR (Variable APR) | 24.24% |
| Balance Transfer APR (Variable APR) | 24.24% |
| Credit Score Range | 500 - 720 |
Citi Secured Mastercard Review
Citi Secured Mastercard is a secured credit card credit card issued by Citibank.
Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.
This card is designed for people who have bad credit. The minimum credit score to apply is 500. If you're wondering whether Citi Secured Mastercard is the right card for you, read on. This is everything you need to know to make a good choice.
Is there a Citi Secured Mastercard cash back or rewards program?
No, Citi Secured Mastercard does not offer a rewards program.
| Rewards rate (all purchases) | N/A |
| Max rewards rate | N/A |
| Annual rewards limit | N/A |
| Signup Bonus ($) | N/A |
| Signup Bonus Spend Requirement | $0 |
What are the Citi Secured Mastercard benefits?
Citi Secured Mastercard provides the following benefits:
- Fraud Liability
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Citi Secured Mastercard?
Citi Secured Mastercard has a variable purchase APR of 24.24%. The card has a variable balance transfer APR of 24.24% .
It also has a variable cash advance APR of 26.99% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Citi Secured Mastercard have an introductory APR offer?
No, Citi Secured Mastercard does not come with an introductory APR offer for balance transfers. Citi Secured Mastercard does not offer an introductory rate on new purchases.| Description | |
|---|---|
| Balance Transfer APR | 24.24% |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
| Description | |
|---|---|
| Balance Computation | daily balance (including current transactions) |
| Purchase APR | 24.24% |
| Credit Limit | N/A |
| Penalty APR | 29.99% |
| Cash Advance APR | 26.99% |
| Security Deposit | N/A |
| Introductory Rate | N/A |
| Intro APR period (months) | N/A |
What are the Citi Secured Mastercard fees?
The following fees apply to Citi Secured Mastercard:
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% |
| Balance Transfer Fee | 3% |
| Minimum Balance Transfer Fee | $5 |
| Returned Payment Fee | up to $39 |
| Late Payment Fee | up to $39 |
Does Citi Secured Mastercard have a foreign transaction fee?
Citi Secured Mastercard charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge a foreign transaction fee.Does Citi Secured Mastercard report your account activity to credit bureaus?
Citi Secured Mastercard reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and can help improve your credit score.
How to apply for Citi Secured Mastercard
- Visit the Citibank website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, annual income, and source of employment.
- Check the information is accurate and submit your application.
- If you're denied click here to find out why your application may have been rejected and what you can do about it.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
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Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank
View all personal credit cards offered by Citibank
Availability
Available in 50 states and Washington, D.C.
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| No Interest Grace Period for Late Payment | 23 |
| Annual Fee | $0 |
| No Annual Fee | |
| Returned Payment Fee | Up to $39 |
| Minimum Interest Charge | $0.50 |
| Late Fee Amount | Up to $39 |
| Balance Transfer Fee % | 3% |
| Balance Transfer Fee Minimum | $5 |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Cash Advance Fee (%) | 5% |
| Cash Advance Fee Minimum | $10 |
| Foreign Currency Transaction Fee | 3% |
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Would you recommend Citi Secured Mastercard to your friends?
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15.74% - 24.74%
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17.74% - 25.74%
(Variable APR)
Credit Score Range
720 - 850
Annual Fee
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Maximum
Purchase APR
27.24%
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N/A
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
30.49%
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N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
27.49%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
27.99%
Balance Transfer APR
N/A
Credit Score Range
N/A
Annual Fee
$0
Purchase APR
27.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
30.74%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
16.49% - 23.49%
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Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
16.49% - 26.49%
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Balance Transfer APR
16.49% - 26.49%
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700 - 850
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15.49% - 25.49%
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700 - 850
Annual Fee
$0
Maximum
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30.49%
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$495
Purchase APR
17.24% - 25.24%
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Balance Transfer APR
18.74% - 25.74%
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Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
25.99%
Balance Transfer APR
N/A
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23%
Balance Transfer APR
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600 - 850
Annual Fee
$0
Purchase APR
27.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Maximum
Purchase APR
30.49%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
N/A
Maximum
Purchase APR
28.49%
Balance Transfer APR
N/A
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650 - 850
Annual Fee
N/A
Maximum
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28.49%
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N/A
Credit Score Range
700 - 850
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27.24%
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$450
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17.49% - 25.49%
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Balance Transfer APR
17.49% - 25.49%
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Credit Score Range
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$0
Purchase APR
16.74% - 24.74%
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Balance Transfer APR
16.74% - 24.74%
(Variable APR)
Credit Score Range
700 - 850
Annual Fee
$0
Purchase APR
30.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
Annual Fee
$0
Purchase APR
17.74% - 25.74%
(Variable APR)
Balance Transfer APR
17.74% - 25.74%
(Variable APR)
Credit Score Range
720 - 850
Annual Fee
$0
Maximum
Purchase APR
30.24%
Balance Transfer APR
N/A
Credit Score Range
650 - 850
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$0
Starting
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