Citi® Secured Mastercard®
Issued by Citi
Rates verified August 2026
Welcome Bonus
No welcome bonus
Rewards Rate
1x points on all purchases
Annual Fee
No annual fee
Recommended Credit Score
no credit history / rebuilding
You'll be taken to the issuer's secure application
Rewards Program
1x points on all purchases
Welcome Offer
No welcome bonus
Annual Fee
No annual fee
APR
Variable APR based on creditworthiness
Foreign Transaction Fee
3%
Recommended For
Everyday spending
Why We Recommend This Card
No annual fee — keep more of what you earn
Help Keep Your Identity Safe
Network benefits (Mastercard) — 1 standard protection
Help Keep Your Identity Safe
The ID Theft Protection program offered by Mastercard helps eliminate the worry of identity theft by monitoring the information you choose to protect and alerting you if suspicious activity is found. It takes just a few minutes to enroll for free, and as soon as you do, your monitoring begins. Visit mastercardidps.idprotectiononline.com to learn more.
Direct to the Issuer
The Apply button takes you to Citi's own application
Verify Current Terms
Confirm rates, fees, and the welcome offer on the issuer's page before applying
No Data Shared
We never see or handle your application information