Citi® Secured Mastercard® - Secured Credit Card
No annual fee. Purchase APR 26.24 %, variable.
- Annual fee
- Issuer's pageciti.com
“Annual Fee — $0 .”
- Purchase APR
- Issuer's pageciti.com
“The variable APR for purchases and balance transfers is 26.24 %.”
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 90% of the 49 cards on our Secured list (see the list).
- Lower top APR than about 55% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pageciti.com “Annual Fee — $0 .” |
|---|---|
| Purchase APR | Issuer's pageciti.com “The variable APR for purchases and balance transfers is 26.24 %.” |
| Balance transfer APR | Issuer's pageciti.com “The variable APR for purchases and balance transfers is 26.24 %.” |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com “The variable APR for cash advances is 29.99 %.” |
| Cash advance fee | Issuer's pageciti.com “Cash advance fee — either $ 10 or 5 % of the amount of each cash advance, whichever is greater.” |
| Penalty APR | Issuer's pageciti.com “The variable penalty APR is up to 29.99 % and may be applied if you make a late payment or make a payment that is returned.” |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com “Minimum interest charge — $ 0.50 .” |
Carrying a balance? See how long it takes to pay off
Benefits
- The card can be used anywhere Mastercard is accepted worldwide.
- Citi Flex Pay allows eligible purchases of $75 or more to be paid over time with a fixed monthly payment.
- Citi Entertainment provides eligible Citi cardmembers with special access to presale tickets and exclusive experiences.
- Free access to the cardholder's FICO Score online.
- Citi AutoPay, account alerts, online bill pay, flexible payment due dates, paperless statements and e-communications.
- Citi Quick Lock can block new charges while recurring transactions continue.
- Contactless, chip-enabled card technology and digital wallet support.
- Citi reports credit history to major credit bureaus monthly.
- With responsible use, cardholders may become eligible to upgrade to the Citi Diamond Preferred Credit Card; graduation reviews start at 9 months and then occur every 12 months, subject to Citi's graduation criteria and a valid SSN on file.
- The security deposit is generally refundable when the account is closed if the balance is paid in full and the account is in good standing.
- No annual membership fee and no fee for adding an authorized user.
- Citi Merchant Offers may provide money back in the form of statement credits, with offer-specific terms.
- Free Mastercard ID Theft Protection enrollment and monitoring.
- 24-hour fraud protection alerts for unusual account activity.
- Other
Questions
Other secured cards without rewards with no annual fee
- 14.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- 9.9% Share Secured VisaMid American Credit Union · No annual feeabout the same
- BankAmericardBank of America · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).