Credit card issuers offer a number of benefits for military members, part of this is due to SCRA & MLA but a lot of issuers also go above and beyond what is required of them. Citi’s standing policy has been to waive the annual fee on cards that were opened before a military member enters active duty. It looks like they are now waiving the annual fees on cards that have been opened after entering active duty, this is more likely due to a more liable interpretation of the Military Lending Act. The annual fee waiver is also being applied retroactively, reddit user PATHofCHURN just received a refund of $900 on their Citi Prestige card for example. Derp Report also reports the same annual fee waiver.
This is a pretty big change for active duty readers, Citi has two cards with high annual fees that might be worth considering: