Citi · Mastercard
Citi® Secured Mastercard®
No annual fee · no published rate on everything else · no foreign transaction fees
Earn rates
| Category | Rate | Cap |
|---|---|---|
| Everything else | not published | the issuer does not print a rate for uncategorised spending |
Non-cash perks
- Reports to major credit bureaus to help build/rebuild credit
- Free access to FICO Score
- Citi Merchant Offers statement-credit program
- $0 liability on unauthorized charges
- Path to graduate to Citi Diamond Preferred (reviewed starting at 9 months, then every 12 months)
Does the fee earn out?
No annual fee, so every point earned is pure upside. The question is only whether its rates beat the other cards already in your wallet — which depends on your spending, not the card.
Check the current offer on the issuer's site → Where a card link will appear once available — no link on this page pays us today.
More from Citi
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Which card should this spending actually be on? The demo re-scores a year of realistic spending against every card in a wallet — free, no signup. See it on sample data →
Verified 2026-08-21 against issuer terms · sources: www.citi.com. Spot an error? Tell us.