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The Citi® Secured Mastercard® is good option if you're starting to build credit. It comes with $0 annual fee, a $200 minimum security deposit, and a variable APR of 23.24%. While it doesn't offer rewards, this secured Citi card is designed specifically for customers with little or no credit history, making it easy for you to establish good credit.
Pros
No annual fee
26.24% variable APR, which may be lower than other secured cards
Cons
No additional credit-building features or other perks
Only eligible for card upgrade and deposit refund after 18 months
Citi® Secured Mastercard® at a glance
4.8
Editorial score
Fees
No annual fee, has other fees
4.0
Eligibility (credit score)
Accepts all credit types
5.0
Security
FDIC insured, SSL/AES encryption and supports 2 factor and biometric authentication
5.0
Customer service
24/7 service with multiple communication options
5.0
Online experience
Excellent site and app with detailed FAQs, help center, and transparency of rates and features
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