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Compare Citi credit cards with no annual fee

Save money on interest, fees or through cash back.

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Kliment Dukovski
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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. Use our table to compare your options or click "Show filters" to narrow your search to products that fit your credit score range and have features you need most.

Name Product Annual fee Balance transfer APR Purchase APR Filter values
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
$0
0% intro for the first 21 months (then 13.74% to 23.74% variable)
0% intro for the first 12 months (then 13.74% to 23.74% variable)

Best of Finder 2021

 An impressive 21 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
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Citi Custom Cashâ„  Card
Citi Custom Cashâ„  Card
$0
0% intro for the first 15 months (then 13.99% to 23.99% variable)
0% intro for the first 15 months (then 13.99% to 23.99% variable)
A new cashback card that automatically awards 5% to your highest eligible spending category each billing cycle, on up to $500 (then 1%).
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Citi Simplicity® Card
Citi Simplicity® Card
$0
0% intro for the first 21 months (then 14.74% to 24.74% variable)
0% intro for the first 12 months (then 14.74% to 24.74% variable)
With an intro APR of 21 months, this card has one of the longest balance transfer offers on the market. Plus, no late fees and no annual fee.
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Citi® Double Cash Card
Citi® Double Cash Card
$0
0% intro for the first 18 months (then 13.99% to 23.99% variable)
13.99% to 23.99% variable
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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Citi® Secured Mastercard®
Citi® Secured Mastercard®
$0
22.49% variable
22.49% variable
A no annual fee secured card for people who are new to credit or have limited credit history.
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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.

Citibank credit cards with no annual fees

  • Citi Rewards+® Card
  • Citi Simplicity® Card
  • Citi® Diamond Preferred® Card
  • Citi Custom Cashâ„  Card
  • Citi® Double Cash Card
  • Citi® Secured Mastercard®

    • Notable Citi cards with annual fees

    Many of Citi’s most popular cards are without annual fees. However, you’ll find a few gems in the Citi lineup that require an annual cost.

    Credit cardAnnual feeCard type
    Citi Premier® Card annual fee$95Everyday rewards
    Citi® / AAdvantage® Platinum Select® World Elite Mastercard® annual fee$99 ongoing after introductory periodTravel
    Citi Prestige® Credit Card annual fee$495Luxury travel

    You’re largely looking at Citi’s travel offerings that require some form of annual fee. These can range from efficient general travel cards like the Citi Premier® Card, to cobranded options like the Citi® / AAdvantage® Platinum Select® World Elite Mastercard®.

    The average Citi annual fee is about $99

    With only a few cards featuring annual fees, you’ll find most Citi annual fee cards hover in the $99 range, with some outliers reserved for luxury offerings like the $495 Citi Prestige.

    Should I choose Citi for a no annual fee card?

    Yes. Citi has a great selection of credit cards with no annual fee, with particularly strong cashback options.

    Pros

    • Terrific cash back options. The Citi® Double Cash Card and Citi Custom Cash are both very powerful cashback cards and among the more popular on the market.
    • Great balance transfer options. When it comes to balance transfers, choose from Citi® Double Cash Card, Citi® Diamond Preferred® Card or Citi Simplicity® Card, which all have long intro APR periods on balance transfers. This is a strong selection given the rarity of balance transfer offers on the market.
    • Cards with few fees The Citi Simplicity® Card will save a lot of money on late payment fees and potential penalty APR charges, as the card has neither.

    Cons

    • Few travel options. Most of Citi’s travel cards require an annual fee.

    Is the annual fee on a Citi credit card worth it?

    Generally, yes. Most credit cards with annual fees usually make up for the price with perks or bigger rewards rates. However, since many of Citi’s best cards don’t require an annual fee, the value difference between a Citi annual fee card and Citi no annual fee card is smaller than you’d find with other providers.

    Annual feeRewardsSignup bonusAdditional perks
    Citi Custom Cashâ„  Card$0
    • 5% cash back on purchases in your top eligible spend category each billing cycle on up to the first $500 spent, then 1% cash back thereafter and on all other purchases
    		$200 cash back after spending $750 in the first 3 months. Fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back
    • 0% intro APR on balance transfers and purchases for the first 15 months (then 13.99% to 23.99% variable)
    Citi Premier® Card$95
    • 3x points at restaurants, supermarkets, gas stations, flights and hotels and 1x points on everything else
    		80,000 points after spending $4,000 in the first 3 months
    • Get $100 off a single hotel stay of $500 or more through thankyou.com once every calendar year. The $500 excludes taxes and fees.
    • Citi Entertainment access

    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 fee-free credit cards and compare your options.

    Images: Shutterstock

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