Citi Secured Mastercard
By Alex Compton · Last verified
A no-fee secured card from a major bank, with a clear 18-month runway.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
Credit Score
None
required (limited or no credit history)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmed | Archive record · no attached snapshot |
| 2022-01 | 0 | No recorded spend | Earliest record | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-09 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
- 0xNo rewards: this card is purely for building credit
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦Deposit from $200 up to $2,500 sets your line
- ✦Review for graduation around 18 months of on-time payments
- ✦Reports to all three credit bureaus
- ✦Relationship with Citi opens the door to ThankYou cards later
Why it earns its spot
- +No annual fee
- +Major-bank relationship that can carry into Citi's rewards lineup
- +Deposit range supports a larger line than most rivals
Where it costs you
- −No rewards
- −Roughly 18 months to graduation is slower than Discover or Capital One
- −Not available if you have recent bankruptcy history
The Compound Verdict
Fine but unhurried. The 18-month runway is slower than Discover's 7-month reviews, and there are no rewards along the way. Pick it if you want a future with Citi's ThankYou cards and are willing to wait.
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