RateHerald

Our illustration in the card’s colours, not its design

Citi credit card

Citi® Secured Mastercard®

No annual fee. Purchase APR 26.24%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 90% of the 50 cards on our Secured list (see the list).
  • Lower top APR than about 55% of the 651 cards we track.

Other secured cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

Benefits

  • Citi Merchant Offers may provide money back in the form of statement credits.
  • Free online access to a FICO Score.
  • Citi Entertainment provides eligible cardmembers special access to purchase tickets, including presale tickets and exclusive experiences.
  • $0 liability on unauthorized charges.
  • Mastercard ID Theft Protection provides free enrollment and monitoring for suspicious activity.
All 11 benefits
  • Automatic account alerts for balances, payments, or credit limits.
  • Citi Quick Lock can block new charges while allowing recurring transactions to continue.
  • Contactless, chip-enabled card usable worldwide wherever Mastercard is accepted.
  • Digital wallet support.
  • Citi Flex Pay is available on eligible purchases of $75 or more using an eligible Citi credit card.
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  2. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · online.citi.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 2026
What is the purchase APR?
26.24% APR · citi.com, since Oct 8, 2026
See it on citi.com

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