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  Citi Secured Mastercard

Citi Secured Mastercard

in Personal Credit Cards from Citibank

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Citi Secured Mastercard

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
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.

Citi Secured Mastercard Rewards
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.
Citi Secured Mastercard Balance Transfers
Description
Balance Transfer APR 24.24%
Introductory Rate N/A
Intro APR period (months) N/A
Citi Secured Mastercard Rates & Terms
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:

Citi Secured Mastercard Fees
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.

SUPERMONEY Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. Delaware Florida Georgia Hawaii Iowa Idaho Illinois Indiana Kansas Kentucky Louisiana Massachusetts Maryland Maine Michigan Minnesota Missouri Mississippi Montana North Carolina North Dakota Nebraska New Hampshire New Jersey New Mexico Nevada New York Ohio Oklahoma Oregon Pennsylvania Rhode Island South Carolina South Dakota Tennessee Texas Utah Virginia Vermont Washington Wisconsin West Virginia Wyoming
  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%
Minimum Age 18
Credit Score Range 500 - 720
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Card Type
  • Bad Credit
  • Secured
Credit Bureau Reporting
  • Equifax
  • Experian
  • TransUnion
Card Network
  • Mastercard
Fraud Liability  
Credit Card Benefits
  • Fraud Liability
  • Identity Theft Protection
Purchase APR (Variable APR) 24.24%
Cash Advance APR (Variable APR) 26.99%
Balance Computation daily balance (including current transactions)
Penalty APR 29.99%
Balance Transfer APR (Variable APR) 24.24%

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