In this research we attempted several modifications to microstrip ring/loop antennas to design multi-frequency antennas through systematic approaches. Such multi-frequency antennas can be useful while building compact terminals to operate at multiple wireless standards. One of the primary contributions was the use of a capacitive feed arrangement that enables simultaneous excitation of multiple concentric rings from an underlying transmission line. The combined antenna operates in the same resonant bands as the individual rings and avoids some of the bands at harmonic frequencies. A similar feeding arrangement is used to obtain dual band characteristics from just one ring, with improved bandwidth. This is made possible by widening two adjacent sides of a square ring antenna symmetrically, and attaching an open stub to the inner edge of the side opposite to the feed line. Use of fractal segments replacing the side with the stub also results in a similar performance. Use of fractal geometries has been widely associated with multi-functional antennas. It has been observed from the parametric studies that, the ratio of the resonant frequencies can range from 1.5 to 2.0. This shows some flexibility in systematically designing dual-band antennas with a desired pair of resonant frequencies. An analysis technique based on multi-port network modeling (MNM) has been proposed to accurately predict the input characteristics of these antennas. This approach can make use of the ordered nature of fractal geometries to simplify computations. Several prototype antennas have been fabricated and tested successfully to validate simulation and analytical results.