Citi® Secured Mastercard® vs Ollo Everyday Rewards Mastercard®
Side-by-side comparison
| Citi® Secured Mastercard® | Ollo Everyday Rewards Mastercard® | |
|---|---|---|
| Annual fee | No annual fee | No annual fee |
| Welcome offer | No current offer | None (invitation-based offer) |
| Dining | 0x | 1x |
| Groceries | 0x | 3x |
| Gas | 0x | 3x |
| Travel | 0x | 1x |
| Streaming | 0x | 1x |
| Everything else | 0x | 1x |
| Est. yearly rewards* | $0 | $455 |
| Points type | Cash back only | Cash back only |
| Network | Mastercard | Mastercard |
*Estimated yearly rewards on typical household spending, every point valued at a flat 1 cent. Verified August 2026. See your own numbers in the calculator.
Welcome bonus and value over time
| Over time | Citi® Secured Mastercard® | Ollo Everyday Rewards Mastercard® |
|---|---|---|
| Welcome bonus | None | None (invitation-based offer) |
| To earn it | No minimum spend | No minimum spend |
| Est. first-year value* | $0 | $455 |
| Est. ongoing value / yr* | $0 | $455 |
The Ollo Everyday Rewards Mastercard® wins on both fronts: it comes out ahead in year one on the welcome offer and stays ahead every year after. Short term or long, it is the stronger pick on the numbers.
*First-year value counts the welcome bonus, estimated rewards, and annual credits, minus the annual fee; ongoing value is a typical year after. Every point at a flat 1 cent.
Perks, credits, and redemptions
| Perks | Citi® Secured Mastercard® | Ollo Everyday Rewards Mastercard® |
|---|---|---|
| Lounge access | None | None |
| Annual credits | None | None |
| Points & redemptions | Cash back only | Cash back only |
The two are closely matched on perks and redemptions, so the welcome offer and everyday earning above are what should decide it.
Transfer partners and point value
Neither card earns transferable points, so redemptions are cash-back or fixed portal value on both, roughly a cent per point. There is no airline or hotel transfer angle to separate them.
The verdict
On a typical year of household spending, the Citi® Secured Mastercard® earns about $0 a year in rewards and the Ollo Everyday Rewards Mastercard® about $455, valuing every point at a flat 1 cent. The Citi® Secured Mastercard® has no annual fee, so its rewards are all profit. The Ollo Everyday Rewards Mastercard® has no annual fee, so its rewards are all profit. Counting rewards and any credits, the Ollo Everyday Rewards Mastercard® delivers more total value, about $455 a year more for a typical spender, mostly because it earns more where you spend most, on groceries and everything else. Neither leans on transferable points, so the deciding factors are the welcome offer, the card network, and which everyday perks you will actually use.
Pick the Ollo Everyday Rewards Mastercard® if your spending leans toward dining, groceries, gas.