Citi Secured Mastercard Credit Card

The Citi Secured Mastercard from Citibank is a no-annual-fee secured credit card designed specifically for individuals looking to build or rebuild their credit history with responsible use. Ideal for credit newcomers or consumers recovering from past credit challenges, the Citi Secured Mastercard requires a refundable security deposit and offers standard features like the ability to choose your payment due date for easier budgeting and an ID Theft Protection program offered by Mastercard for added peace of mind. While it doesn’t include a welcome bonus, spending multipliers, or travel perks, and has a 3% foreign transaction fee, this card’s primary benefit is helping users establish a positive payment record with a major issuer. If you’re focused on improving your credit score and want a straightforward, low-cost card to demonstrate creditworthiness, the Citi Secured Mastercard is a strong foundational choice before qualifying for unsecured rewards cards.

Issuer

Citi, founded in 1812 as First National City Bank, boasts a rich history of banking innovations and global leadership. Operating in nearly 160 countries with a localized presence in 95, Citi offers a diverse range of financial products, including credit cards, checking accounts, loans, and wealth management. With a customer-centric approach, Citi targets various segments, from low-income earners to high-income professionals, emphasizing innovation to simplify financial goals. The bank, with $2.6 trillion in total assets and $168 billion in annual revenue in 2025, maintains financial stability. Citi's commitment to technology is evident in its longstanding focus on innovation labs and leveraging advancements. Philanthropy and corporate social responsibility are integral to Citi's ethos, with initiatives like the Citi Foundation promoting economic progress and supporting education. Citi operates about 670 branches in the US but prioritizes online banking. Upholding values of integrity and responsibility, Citi aims to be a trusted partner in providing responsible financial services. As an FDIC-insured institution, Citi aligns its actions with regulatory compliance.

Spending Multipliers

Credits & Features