Citi® Secured Mastercard® review: Build your credit history from scratch

Do you want to create or improve your credit history? Check out the Citi Secured Mastercard review. This card can help you establish a positive credit history. So, read on!


by Suzana Brito

10/15/2022 | Updated on 12/21/2022

Citi® Secured Mastercard®: No annual fee and free access to your FICO score

Citi® Secured Mastercard®
Read our Citi® Secured Mastercard® review! Source: Citi®

Find out how to build or rebuild your credit score with a $0 annual fee on our Citi® Secured Mastercard® review post.

Citi® logo

How to apply for the Citi® Secured Mastercard®

Applying for the Citi® Secured Mastercard® is easy. Find out how this card can help you build your credit history. Read on!

Look at some of this card’s benefits and drawbacks so you can start your credit history. Read on to learn more!

  • Credit Score: no minimum credit score;
  • Annual Fee: $0;
  • Regular APR: 26.74% variable APR for purchases and balance transfers; 29.49% variable APR for cash advances;
  • Welcome bonus: no welcome bonus;
  • Rewards: no rewards.

Citi® Secured Mastercard®: how does it work?

Cell phone on a yellow background, showring a "donE" symbol on the screen
Learn how this secured card can help you improve your score. Source: Unsplash

Citi® Secured Mastercard® is a credit card that requires a security deposit (from $200-$2500), which acts as your credit limit.

Unlike a debit card, the Citi® Secured Mastercard® can help you build a credit history.

So that is a smart choice for those who are trying to build or rebuild their credit because it will report your payment history to the three major credit bureaus in the country.

Once you have the card, you’ll also be able to access your FICO score online and for free. That way, you can track your credit score and control your expenses to improve it.

Citi® Secured Mastercard® still comes with some nice perks, such as 24/7 customer service, Fraud Protection, and Chip technology for increased security.

It charges no annual fee, and the APR is considered average-priced for a secured card. Still, there’s a 3% U.S dollar foreign fee for each international purchase with this card.

In addition, you can use this anywhere Mastercard is accepted with $0 liability on unauthorized charges.

Plus, if you make your payments on time and keep your account in good standing, you may eventually be able to qualify for an unsecured credit card with more benefits.


Citi® Secured Mastercard®: should you get one?

This card might be an excellent shot if your goal is to build a credit history. So, review its pros and cons, and weigh if it’s what you want for your finances.



  • It reports to three main credit bureaus, so it helps build credit history;
  • It doesn’t require a minimum credit score to apply;
  • No annual fee;
  • 24/7 customer protection;
  • Free access to FICO score;
  • Easy to qualify.


  • Security deposit;
  • No rewards;
  • No welcome bonus.

Multiple personalized credit card offers

Applying won't hurt your credit score

You will be redirected to another website

Credit score required

Citi® Secured Mastercard® doesn’t require a minimum credit score to apply. However, The qualification analyses will consider your financial background, which can impact the variable fees on your card.

Citi® Secured Mastercard® application: how to do it?

If you enjoyed the Citi® Secured Mastercard® review, there’s much more to know about this card if you want one. Keep reading about its application process and eligibility requirements.

Citi® Secured Mastercard®

How to apply for the Citi® Secured Mastercard®

Applying for the Citi® Secured Mastercard® is easy. Find out how this card can help you build your credit history. Read on!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author

Suzana Brito

I'm a Language Studies graduate and have always been interested in writing and sharing knowledge. By creating content about finances and related products, I believe in contributing to people achieving financial freedom and their goals in life.

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