Citi® Secured Mastercard®
A no-annual-fee credit-building card from Citi.
Rates, fees, and full terms are set by Citi and can change. See current rates & fees on the issuer’s site, and always confirm the latest terms before applying.
Is this card right for you?
someone rebuilding credit who wants a card that reports to all three bureaus.
you would rather chase elevated bonus categories than earn one flat rate.
Earning rates
Best ways to earn & redeem
Use it as a flat-rate everyday card, since it earns the same on every purchase, and pair it with bonus-category cards for groceries, dining, and travel.
When you cash in, take the rewards as cash back or a statement credit, worth a flat 1 cent each. We value every point at a flat 1 cent, so treat any transfer upside as a bonus rather than the baseline — see what your points are really worth.
Features & benefits
Alternatives to the Citi® Secured Mastercard®
Pairs well with
The Citi® Secured Mastercard® earns a flat rate on everything, so pair it with a category card or two to earn more where you spend the most.
How does it rank for your spending?
Every card is ranked by what it actually returns on the way you spend. Run your numbers and see where the Citi® Secured Mastercard® lands.
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