Citibank • Mastercard
Citi® Secured Mastercard®
Build credit with a major bank. No annual fee.
★ ★ ★ ★ ★
4.2 (9,843 reviews)High Approval OddsApply on Official Site →
Annual Fee
$0
Min Deposit
$200
APR
26.74%
Credit Check
Hard Pull
✓ Pros
- + Major bank credibility (Citibank)
- + No annual fee
- + Path to unsecured after 18 months
- + Free FICO score access
- + Reports to all 3 bureaus
✗ Cons
- − Requires 550+ score or no prior credit
- − Hard credit pull on application
- − No rewards
- − 18-month wait for upgrade review
Best For
People with no credit historyThose who want a major bank cardPeople aiming for long-term upgrade
Full Card Details
| Card Network | Mastercard |
| Issuing Bank | Citibank |
| Annual Fee | $0 |
| Monthly Fee | $0 |
| APR | 26.74% |
| Deposit Range | $200 – $2500 |
| Credit Line | Equal to deposit |
| Min Credit Score | 550+ |
| Credit Check | Hard inquiry |
| Reports to Bureaus | Experian, Equifax, TransUnion |
| Path to Unsecured | Yes |
| Refundable Deposit | Yes |
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