Citi Secured Mastercard
in Personal Credit Cards from Citibank
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| Balance Transfer APR (Variable APR) | 24.24% |
| Credit Score Range | 500 - 720 |
| Annual Fee | $0 |
| Purchase APR (Variable APR) | 24.24% |
Citi Secured Mastercard Review
Citi Secured Mastercard is a secured credit card credit card issued by Citibank. 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.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.24%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
| The Good | The Bad |
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Is there a Citi Secured Mastercard cash back or rewards program?
No, Citi Secured Mastercard does not offer a rewards program.
What are the Citi Secured Mastercard benefits?
Citi Secured Mastercard provides the following benefits:
- Zero fraud liability
- ID Theft Protection
- Reports to major credit bureaus
What are the relevant APRs for Citi Secured Mastercard?
According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citi Secured Mastercard has higher than average purchase APRs.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 on balance transfers??
No, Citi Secured Mastercard does not come with an introductory APR offer for balance transfers.Does Citi Secured Mastercard have an introductory APR offer on new purchases??
Citi Secured Mastercard does not offer an introductory rate on new purchases.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 Citi Secured Mastercard website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- 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 Annual Fee | |
| Annual Fee | $0 |
| No Interest Grace Period for Late Payment | 23 days |
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Foreign Currency Transaction Fee | 3% |
| Minimum Interest Charge | $0.50 |
| Returned Payment Fee | Up to $39 |
| Balance Transfer Fee Minimum | $5 |
| Balance Transfer Fee % | 3% |
| Late Fee Amount | Up to $39 |
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