Who it's for
People wanting to build credit within the Citi ecosystem
Citi Secured Mastercard
No-fee secured card from Citibank.
Last checked on September 1, 2026. We may earn a commission when you click through.
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✓ No annual fee
✓ Citi brand/network
✓ Path to unsecured card
Citi Secured Mastercard
Mastercard
Our Verdict
Solid secured card from a major issuer. No annual fee and a clear path to graduating to an unsecured Citi card.
What it really costs
| Annual fee | No annual fee |
|---|---|
| APR Range | 23.49% – 29.49% |
| Minimum credit score | 300 |
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The good and the not so good
- No annual fee
- Citi brand/network
- Path to unsecured card
- Higher APR
- No rewards
- Requires $200+ deposit
You'll be redirected to citi.com
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