Citi Secured Mastercard
A no-fee secured card from a major bank, with a clear 18-month runway.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (limited or no credit history)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-09 · spot an outdated offer? Tell us in the comments.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Deposit from $200 up to $2,500 sets your line
- ✦Review for graduation around 18 months of on-time payments
- ✦Reports to all three credit bureaus
- ✦Relationship with Citi opens the door to ThankYou cards later
Why it earns its spot
- +No annual fee
- +Major-bank relationship that can carry into Citi's rewards lineup
- +Deposit range supports a larger line than most rivals
Where it costs you
- −No rewards
- −Roughly 18 months to graduation is slower than Discover or Capital One
- −Not available if you have recent bankruptcy history
The Compound Verdict
Fine but unhurried. The 18-month runway is slower than Discover's 7-month reviews, and there are no rewards along the way. Pick it if you want a future with Citi's ThankYou cards and are willing to wait.
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