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Compare Citi credit cards with no annual fee
Save money on interest, fees or through cash back.
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
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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
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.
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.
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.
Frequently asked questions
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