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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® Diamond Preferred® Card
N/A
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
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
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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 2x points on restaurants and gas with this unique no-annual-fee card. Your rewards round up to the nearest 10 points for each purchase!
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
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 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 logo
Finder Rating: 4.6 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
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.
  • Intro APR periods. Get a 0% intro APR on balance transfers for the first 18 months. After the intro period, you'll have a balance transfer APR of 14.74% to 24.74% variable. Purchases come with a 0% intro APR for 18 months following your account opening, then a variable APR of 14.74% to 24.74% applies.
  • Citi Entertainment℠
  • . Get special access to ticket presales and VIP packages for concerts, sporting events and more.
  • No signup bonus. If you're looking to be rewarded with a signup, another card will likely suit you better.
  • Balance transfer limitations. To use the intro APR period on balance transfers, complete your transfers within 4 months of account opening.
  • Foreign transaction fees.Avoid using this card abroad or you'll pay a fee equal to 3% of each transaction you make.
Annual Fee $0
Purchase APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Balance transfer APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Welcome offer N/A
Rewards N/A

Best for cash back
Citi® Double Cash Card

Citi® Double Cash Card logo
Finder Rating: 3.8 / 5

★★★★★

Credit recommended (740-850)
Apply now
on Citi's secure site
740
Min. credit score
$0
Annual fee
Up to 2%
Cash back
n/a
Welcome offer
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.
  • Cash back. Earn 1 cash back when you make a purchase, and earn another 1 when you pay your balance.
  • Intro APR period on balance transfers. Use a balance transfer intro APR of 0% for 18 months from the date of your first transfer. After that, a variable APR of 13.99% to 23.99% applies.
  • No signup bonus. You won't earn any bonuses on signup that usually come with a flat-cashback credit card.
  • Balance transfer limitations. The intro APR period on balance transfers only applies to transfers made within 4 months of account opening.
  • Foreign transaction fees. This may not be a good credit card for traveling abroad as you'll pay a fee equal to 3% of every transaction you make.
Annual Fee $0
Purchase APR 13.99% to 23.99% variable
Balance transfer APR 0% intro for the first 18 months (then 13.99% to 23.99% variable)
Welcome offer N/A
Rewards Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)

Best for no late fees
Citi Simplicity® Card

Citi Simplicity® Card logo
Finder Rating: 4.4 / 5

★★★★★

Credit recommended (670-850)
Read review
670
Min. credit score
$0
Annual fee
n/a
Rewards
n/a
Welcome offer
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.
  • No late payment fees or penalty APR.
  • Intro APR period. Get a 0% intro APR period on balance transfers for 18 months following your first transfer, and on purchases for 18 months following your account opening. After the intro period passes, your APR reverts to 14.74% to 24.74% variable.
  • Balance transfer limitations. You can only use the intro APR period on balance transfers completed during your first 4 months of card membership.
  • Foreign transaction fees. Using your card abroad will incur a fee of 3% of each transaction.
Annual Fee $0
Purchase APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Balance transfer APR 0% intro for the first 18 months (then 14.74% to 24.74% variable)
Welcome offer N/A
Rewards N/A
The information about Citi Simplicity® Card has been collected independently by Finder and and has not been reviewed or provided by the issuer.

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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