Save money on interest, fees or through cash back.
Citi 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
Top Citi credit cards with no annual fee
Best for long 0% intro APR period on purchases: Citi® Diamond Preferred® Card
Best for no late fees: Citi Simplicity® Card
Best for cash back: Citi® Double Cash Card
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 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 or the Citi® Diamond Preferred® Card which both have high intro APRs. Or you can choose the Citi Simplicity® Card, which has the longest intro APR period on balance transfers.
- Do you often pay late? If you do, the Citi Simplicity® Cardwill save a lot of money on late payment fees and potential penalty APR charges, as the card has neither.
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