Скачать или смотреть Citi Secured Credit Card Review 2025 | Worth It or Leave It?

The Citi Secured Mastercard solves the critical pain point for anyone struggling with little or no credit history by offering a straightforward, low-cost way to activate and grow a credit profile. With no annual fee and monthly reporting to all three major credit bureaus, this card is an accessible tool for establishing positive payment habits. The refundable security deposit sets your credit limit, starting as low as $200, so even those on a tight budget have an entry point. Free access to your FICO Score, autopay options, account alerts, and flexible due dates help keep you on track while fraud protection adds extra confidence. However, there are no rewards for spending, the standard APR is high at 26.74%—with a penalty rate even steeper—and the 3% foreign transaction fee makes it unsuitable for use abroad. The card doesn’t allow for fast graduation to unsecured status and its credit limit maxes out at $2,500, limiting purchasing power. This card is a solid stepping stone for those determined to build credit, but what hidden drawback could be lurking for new users? The final answer is revealed at the end of this review.

Pros:
Reports monthly to all three major credit bureaus
No annual fee
Refundable security deposit
Accessible for those with no credit history
Free FICO Score online
Autopay, alerts, and flexible due dates
Strong fraud protection

Cons:
No rewards (cash back or points)
High standard and penalty APR
3% foreign transaction fee
Slow path to unsecured card
Credit limit capped at $2,500

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