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Compare Citi credit cards with no annual fee

Save money on interest, fees or through cash back.

Updated . What changed?

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Citi — a finder.com advertising partner — offers a variety of credit cards with no annual fee. Some of them let you earn cash back on all of your purchases, others let you save money on late payment fees — but most come with a long intro APR period on balance transfers.

Compare Citi credit cards with no annual fee

Name Product Filter values Rewards Purchase APR Annual fee
Citi® Double Cash Card
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
13.99% to 23.99% variable
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
Citi® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
Long 18 months intro APR periods on purchases and balance transfers. Plus Citi Entertainment℠ for deals on dining and going out.
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Use the CardMatch tool to find cards you're likely to qualify for with your credit score, without a hard pull on your credit.
Citi Rewards+℠ Card
Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases
0% intro for the first 15 months (then 13.49% to 23.49% variable)
$0
Get rewards on gas and groceries with no annual fee. Ideal for everyday use, it's the only card that rounds purchases up to the nearest 10 points.
Citi Simplicity® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
With an intro APR of 18 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee. All information about this card has been collected independently by Finder.
Citi® Secured Mastercard®
N/A
22.49% variable
$0
A no annual fee secured card for people who are new to credit or have limited credit history with a fair to average credit score. All information about this card has been collected independently by Finder.
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Top Citi credit cards with no annual fee

Best for long 0% intro APR period on purchases: Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
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If you’re looking to make a large purchase, the Citi® Diamond Preferred® Card could be the right card for you. You don’t get many extras, but you get one of the longest intro APR periods on purchases and balance transfers when compared to other cards.

Best for no late fees: Citi Simplicity® Card

The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.
Citi Simplicity® Card
The Citi Simplicity® Card is aimed at those who are frequently late on their payments. With other credit cards with a single late payment you pay a fee and incur a penalty APR. But with this card, you get none of that — you can rest easy knowing the standard APR is what you’ll get.

Best for cash back: Citi® Double Cash Card

The Citi Double Cash card lets you earn cash back twice — 1% unlimited on purchases and an additional 1% as you pay for those purchases.
Citi® Double Cash Card
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Earn flat cash back on all of your purchases with the Citi® Double Cash Card. Aside from earning cash, you get one of the longest intro APR periods on balance transfers.

How we selected our top cards

When choosing our favorite no-annual-fee Citi cards, we compared a number of factors among eligible cards, including rewards capabilities, card fees, introductory offers and ongoing APRs. Among the eligible cards, we chose to highlight those that stood above the others in a given niche.

What’s changed in 2020

Not much changed this year, as Citi continues to offer several great no-annual-fee options for consumers. The Diamond did receive a small reduction to its ongoing APR, cementing it as the go-to introductory APR card on the market.

Citi cards with annual fees, lowest to highest

While there are some great cards with no annual fees out there, you might not find everything you want in a card with one. Here’s a look at Citi’s cards featuring annual fees, arranged from lowest to highest.

Citi Rewards+℠ Card annual fee$0
Citi® Double Cash Card annual fee$0
Citi Simplicity® Card annual fee$0
Citi® Diamond Preferred® Card annual fee$0
Citi Premier℠ Card annual fee$95 ongoing after introductory period
Citi® / AAdvantage® Platinum Select® World Elite™ Mastercard® annual fee$99 ongoing after introductory period
Citi Prestige® Credit Card annual fee$495

How to compare top Citi credit cards with no annual fee

To choose the right Citi credit card with no annual fee, consider the following:

  • Do you want to earn flat cash back on everything you buy?
    The Citi® Double Cash Card could be an excellent choice — the rate of cash back is slightly above the industry standard, and you can earn an unlimited amount.
  • Do you want to make balance transfers? When it comes to balance transfers, you can choose from Citi® Double Cash Card, Citi® Diamond Preferred® Card or Citi Simplicity® Card, which all have long intro APR periods on balance transfers.
  • Do you often pay late? If you do, the Citi Simplicity® Card will save a lot of money on late payment fees and potential penalty APR charges, as the card has neither.

Bottom line

You won’t find a Citi credit card with no annual fee if you’re only looking to earn a signup bonus or use your card abroad. Instead, these credit cards are more suited to earning cash back on all purchases, saving money on late fees and cutting out some interest costs with introductory APRs.

However, if you find that none of these cards are what you’re looking for, check out other no-annual-fee credit cards and compare your options.

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