A microstrip antenna that can be linear, co-circular, or dual-circularly polarized having co-planar radiating elements and operating at dual frequency bands wherein an inner radiating element is surrounded by and spaced from an outer radiating element. Each radiating element resonates at a different frequency. In one embodiment of the invention a feed network has a single, cross-shaped, feed line that is positioned between the inner and outer radiating elements and capacitively coupled to the inner and outer radiating elements. In another embodiment of the present invention, the radiating elements are fed separately by first and second feed networks each having a plurality of feed points. The radiating elements each have one active feed point that is either directly or indirectly coupled to its respective feed network.