Citi Secured Mastercard Review 2026
Citi Secured Mastercard is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
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No-fee everyday card
Bonus value
See terms
Rewards
See terms
Annual fee
$0
APR
26.24%
Pros & cons
- No annual fee
- High regular APR (26.24%)
Derived from the current rate, fees, and terms we track for this product. Confirm the latest details on the provider’s site.
Card truth label
Terms that decide whether this card fits
Fees
What this card can cost you
- Annual fee
- $0
- Foreign transaction fee
- Not verified yet
- Balance transfer fee
- Not verified yet
- Cash advance fee
- Not verified yet
- Late payment fee
- Not verified yet
- Authorized user fee
- Not verified yet
Benefits and protections
Each item below was checked against the issuer's own published terms. Coverage limits and exclusions apply, so confirm them with the issuer.
Protections
- $0 liability on unauthorized charges
Perks and credits
- Citi Entertainment® Event Access
- Citi® Flex Pay
- Citi® Merchant Offers
- No Authorized User Fee
Offer history
How today's bonus compares
Welcome offer needs verification
See terms
Observed Recently
12-month best
See terms
0 tracked observations
Signal
At or near tracked best
Last history update Recently
Terms history
Has the fee or APR changed?
Since tracking began (Jun 21, 2026), APR range moved from 25.99%–25.99% to 26.24%–26.24%. Tracked since Jun 21, 2026 across 11 tracked readings — not a signal to act by any deadline, just context on whether today's terms match what was first tracked.
Best for
- People whose spending matches the rewards structure
- Applicants who can use the welcome offer responsibly
- Cardholders who pay in full
- People comparing net first-year value
Not for
- Carrying a balance long term
- Applying only for a bonus without a payoff plan
- Spending more to earn rewards
- Anyone who cannot meet issuer approval requirements
Decision checks
Apply only if these checks pass
$0 annual fee
26.24% variable
Verify spend requirement
Citi terms control approval, pricing, and rewards
If you carry a balance, compare payoff cost before rewards. Interest can erase rewards quickly.
The real value depends on category rules, caps, APR behavior, and whether you carry a balance.
Comparison set
Other cards to compare first
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Before you apply
Application rules and credit check
- Who can get the welcome bonus
- Not published by the issuer on its card page.
- How many cards you can open
- Not published by the issuer on its card page.
- Credit check when you apply
- Not published by the issuer on its card page.
These are the issuer’s own words. Informal rules reported by cardholders, such as "5/24", are not shown because the issuer has not published them. Checked Nov 13, 2026.
Questions
Common questions
What is the annual fee for the Citi Secured Mastercard?
The Citi Secured Mastercard has no annual fee, according to Citi's page checked Nov 8, 2026.
What is the APR on the Citi Secured Mastercard?
The purchase APR is 26.24%, and it is variable. Your rate depends on your credit.
Sources
Where these figures come from
Fees and APR
https://www.citi.com/gcgapi/prod/public/v1/prelogin/digital/creditCards/offers/pricingDetails/retrieve · checked Nov 8, 2026
Benefits and protections
We could not verify the foreign transaction fee, balance transfer fee, cash advance fee, late payment fee, authorized user fee for this card yet, so we do not show a figure.
Bottom line
Is Citi Secured Mastercard worth it?
Citi Secured Mastercard is worth comparing if the rewards, welcome offer, annual fee, APR, and approval fit match how you actually spend.
Worth it if: People whose spending matches the rewards structure
Skip it if: Carrying a balance long term