Citi
Citi® Secured Mastercard®
Cash back only
Annual fee
No annual fee
Welcome bonus
None
Min spend
N/A
Recommended credit
New or rebuilding credit
Offer last verified July 14, 2026. How we verify.
Earning rates
No rewards, but no annual fee
Features & benefits
Refundable security deposit from $200 sets your credit limit
Access to a free FICO score and Citi tools
Reports to all three credit bureaus
A path to building credit with a major issuer
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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