Citi® Secured Mastercard®
No rewards
Citi® Secured Mastercard®
Citi - Mastercard - Credit card
4.3
4.3 out of 5
8.6/10
Apply now
Head-to-head
Citi® Secured Mastercard® vs Citi Strata℠ Card
Compare Citi® Secured Mastercard® and Citi Strata℠ Card side by side: fees, rewards, APR, and perks.
Last verified
Citi Strata℠ Card
Points
Citi Strata℠ Card
Citi - Mastercard - Credit card
4.5
4.5 out of 5
9.0/10
Apply now
Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | Citi® Secured Mastercard® | Citi Strata℠ Card |
|---|---|---|
| Card fee | No fee | No fee |
| Purchase APR (from) | 26.74% | 18.49% |
| Interest-free period | - | - |
| Foreign transaction fee | 3% | 3% |
| Rewards | - | 5X ThankYou Points on Citi Travel bookings; 3X on supermarkets, transit, gas/EV charging, and one quarterly self-select bonus category (fitness, streaming, entertainment, cosmetics, or pet supplies); 2X at restaurants; 1X on everything else. |
| Installments | - | Citi Flex Pay available |
| No card fee | ||
| No foreign transaction fee | - | - |
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the Citi® Secured Mastercard® if its checked rows above line up with how you spend most.
- Choose the Citi Strata℠ Card if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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