No Annual Fee Cards

We suggest offers based on money we make from our partners.

This offer is no longer available on our site: Citi® Secured Mastercard®

 

Intro Purchase APR

N/A

Regular Purchase APR

19.24% - 29.24%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

19.24% - 29.24%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for high flat-rate cash back

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Rates and fees

Card Details

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

19.24% - 29.24%* Variable

Intro Balance Transfer APR

0% for 18 Months

Regular Balance Transfer APR

19.24% - 29.24%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

None

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock

Card Details

  • No Late Fees, No Penalty Rate, and No Annual Fee... Ever
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 19.24% - 29.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an introductory balance transfer fee of $5 or 3% of the amount of the transfer, whichever is greater for balances transfers completed within 4 months of account opening.
  • Stay protected with Citi® Quick Lock

Intro Purchase APR

0% for 12 Months

Regular Purchase APR

19.24% - 29.99%* Variable

Intro Balance Transfer APR

0% for 21 Months

Regular Balance Transfer APR

19.24% - 29.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Rewards

None
Points

Balance Transfer Fee

Intro fee 3% of each transfer ($5 min) completed within the first 4 months of account opening. After that, 5% of each transfer ($5 min).

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for smaller purchases

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Card Details

  • Earn 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com
  • Plus, for a limited time, earn 5 ThankYou® Points per $1 spent on hotel, car rentals and attractions booked on the Citi Travel℠ portal through June 30, 2024.
  • 0% Intro APR on balance transfers for 15 months from date of first transfer and on purchases from date of account opening. After that, the variable APR will be 18.74% - 28.74%, based on your creditworthiness. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X ThankYou® Points on All Other Purchases.
  • The Citi Rewards+® Card - the only credit card that automatically rounds up to the nearest 10 points on every purchase - with no cap.
  • No Annual Fee
  • Rates and fees

Intro Purchase APR

0% for 15 Months

Regular Purchase APR

18.74% - 28.74%* Variable

Intro Balance Transfer APR

0% for 15 Months

Regular Balance Transfer APR

18.74% - 28.74%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

Intro Purchase APR

0% for 12 months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

5%, Min: $5

Min Credit Needed

GOOD

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for a long balance transfer offer

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
  • Rates and fees

Card Details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
  • Rates and fees

Intro Purchase APR

0% for 12 months

Regular Purchase APR

18.24% - 28.99%* Variable

Intro Balance Transfer APR

0% for 21 months

Regular Balance Transfer APR

18.24% - 28.99%* Variable

Annual Fee

$0

Min Credit Needed

GOOD

 

N/A

 

Intro Purchase APR

N/A

Regular Purchase APR

20.49%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

20.49%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Min Credit Needed

EXCELLENT

Return Payment Fee

Up to $41

Foreign Transaction Fee

0%

Penalty APR

Up to 29.99% Variable

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for gas and EV charging

Card Details

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • Rates and fees

Card Details

  • Discover one of Citi's best cash back rewards cards designed exclusively for Costco members
  • 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafter
  • 3% cash back on restaurants and eligible travel purchases
  • 2% cash back on all other purchases from Costco and Costco.com
  • 1% cash back on all other purchases
  • No annual fee with your paid Costco membership and enjoy no foreign transaction fees on purchases
  • Receive an annual credit card reward certificate, which is redeemable for cash or merchandise at U.S. Costco warehouses, including Puerto Rico
  • Rates and fees

Intro Purchase APR

N/A

Regular Purchase APR

20.49%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

20.49%* Variable

Annual Fee

$0

Min Credit Needed

EXCELLENT