Purchase APR
33.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $1,004.70
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35
Citi Secured MasterCard
Secured cardTop-25 issuerNationalVariable · PrimeNo credit scoreCredit score 619 or lessCredit score 620–719Credit score 720+
Purchase APR
25.99%
Annual fee
None
0% intro
None
0% transfer
25.99%
Foreign fee
3%
Grace period
23 days
Purchase APR by credit tier
Median rate the issuer reported for each tier
The purchase rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered25.99%
Median25.99%
Highest offered25.99%
Balance transfer APR
Promotional window: 12 months · grace period retained on purchases
The transfer rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered25.99%
Median25.99%
Highest offered25.99%
Cash advance APR
The cash advance rate was not broken out by credit tier — the issuer reported a single range.
Lowest offered29.74%
Median29.74%
Highest offered29.74%
Every fee on this card
Annual feeNone
Balance transfer feegreater of 5% or $5
Cash advance feegreater of 5% or $10
Foreign transaction fee3%
Purchase transaction feeNone
Late fee$41
Repeat late fee (6 mo)$41
Over-limit feeNone
Minimum finance charge$0.50
Balance computationAverage daily balance including new purchases
Additional fees
Returned Payment Fee$41
Who can get this card
AvailabilityNational
Membership requirementsOpen to the public
Phone877-625-6382
Balance transfer calculator
Stay put — 12 mo at 24%$600
Transfer fee (5%)$250
Promo interest at 25.99%$649.75
You lose$299.75
Assumes you pay the balance down evenly across the 12-month promotional window, so the average outstanding balance is about half the transfer. Rates revert to 25.99% afterwards.
Cost to carry a balance
Interest for a year at 25.99%$779.70
Annual / periodic fees$0
Total yearly cost$779.70
Simple interest on a constant balance — a plain-language upper bound rather than an amortisation schedule. Paying in full each month within the 23-day grace period avoids the interest entirely.
Cardholder agreements
82 documents filed by Citibank, N.A. in the 2026 Q1 archive.
- AAdvantage Executive World Elite Mastercard Cardmember Agreement293 KB
- AAdvantage Executive World Elite Pricing and Information Table224 KB
- AAdvantage Globe Mastercard Cardmember Agreement290 KB
- AAdvantage Globe Pricing and Information Table203 KB
- AAdvantage Platinum Select World Elite Cardmember Agreement304 KB
- AAdvantage Platinum Select World Elite Pricing and Information Table222 KB
More from this issuer
Purchase APR
32.49%
Annual fee
None
Foreign fee
3%
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
32.49%
Annual fee
None
Foreign fee
None
Top-25 issuer≤619620–719
Carrying $3k for a year ≈ $974.70
Purchase APR
20.49–28.49%
Annual fee
$595
Foreign fee
None
Top-25 issuer620–719720+Travel-related
Carrying $3k for a year ≈ $1,329.70 incl. $595 fee