Citi Secured Mastercard
By Alex Compton · Last verified
A no-fee secured card from a major bank, with graduation reviews starting at 9 months.
Welcome Bonus
None
No welcome bonus, secured deposit required
Spend Requirement
None
Annual Fee
$0
3% FTF
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 |
|---|---|---|---|---|
| 2026-10-12 | 0 | No recorded spend | Terms reconfirmedNo welcome bonus, secured deposit required | Citi Secured Mastercard product page → |
| 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 ledger- changed
Graduation reviews start at 9 months then yearly, to Citi Diamond Preferred; bankruptcy rule is none pending or in last two years.
Fields: tagline, benefits, cons, ourTake
Citi Secured Mastercard product page →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
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Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦Deposit from $200 up to $2,500, in $100 increments, sets your line
- ✦Reviewed for graduation to the Citi Diamond Preferred starting at 9 months, then every 12 months
- ✦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
- −Graduation reviews start at 9 months, with yearly reviews after that
- −Not available with a pending bankruptcy or one in the last two years
The Compound Verdict
Fine but plain. Citi starts graduation reviews at 9 months, with a path to the Citi Diamond Preferred, but there are no rewards along the way. Pick it if you want a future with Citi's card lineup and do not need rewards while you build.
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