THE CARDTUNED DATABASE
Citi Secured Mastercard
Issuer: Citi · Network: Mastercard
No rewards
- Annual fee
- $0
- Foreign transaction fee
- 3%
- Intro APR
- No public introductory APR listed; promotional terms, if any, are disclosed in the application.
- Regular APR
- Variable purchase APR; exact rate is disclosed in the application and card agreement.
Full card review date:
This date covers the full card review. Individual terms may have been checked separately afterward; see dates noted in the terms and offer below.
Additional benefits
• Helps build or rebuild credit through monthly reporting to major credit bureaus when used responsibly.
• Free online access to a FICO Score.
• $0 liability for unauthorized charges, fraud monitoring, and Mastercard ID Theft Protection.
• Account-management tools include AutoPay, alerts, flexible payment due dates, digital wallets, and Citi Quick Lock.
• May be reviewed for graduation to an unsecured Citi Diamond Preferred card.
Restrictions to know
No rewards program. Approval is subject to Citi credit criteria, including income, debt, and credit review; applicants must not have a pending bankruptcy or bankruptcy history within the past 2 years. A refundable security deposit of $200–$2,500 in $100 increments is required and generally equals the credit limit. If approved online, bank information for the deposit must be provided within 14 days. Graduation review can begin at 9 months and then occurs annually, but an upgrade is not guaranteed. Deposit refund generally requires closing the account with the balance paid in full and the account in good standing.
Who can apply
Subject to Citi approval; secured account requires an approved security deposit and compliance with current bankruptcy, identity, income, and application rules.
Credit profile: Not Public / issuer underwriting applies