Citi
Citi Secured Mastercard
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Secured Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
The fine print
- Intro APR
- Not listed
- Regular APR
- Not listed
- Foreign fee
- Not specified
- Rewards paid as
- Cash back
- Approval
- Built for no / limited credit
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- The Citi® Secured Mastercard® does not earn rewards but offers benefits such as no annual fee and free access to your FICO® Score
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Maximizers chasing category bonuses
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- Not listed
- Regular APR
- Not listed
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Secured Mastercard: questions people ask
Is the Citi Secured Mastercard worth it?
With no annual fee, the Citi Secured Mastercard can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
What is the Citi Secured Mastercard annual fee?
The Citi Secured Mastercard has no annual fee ($0).
What does the Citi Secured Mastercard earn?
The Citi® Secured Mastercard® does not earn rewards but offers benefits such as no annual fee and free access to your FICO® Score.
What credit score do you need for the Citi Secured Mastercard?
The issuer doesn't say; we'd class it as: built for no / limited credit. Checking your matches on CardFit never runs a credit check.
Does the Citi Secured Mastercard charge foreign transaction fees?
The issuer's page doesn't say. Check before using it abroad.
Similar cards
- U.S. BankU.S. Bank Altitude Go Secured Visa Card$545/yr · $0 fee
- Bank of AmericaCustomized Cash Rewards Secured Credit Card$372/yr · $0 fee
- Bank of AmericaBank of America Secured Travel Rewards Credit Card$468/yr · $0 fee
- Bank of AmericaBank of America Unlimited Cash Rewards Secured Credit Card$468/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.