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Citi® Diamond Preferred® Card vs. Citi Simplicity® Card
Looking for a purchase or balance transfer intro APR? These cards lead the field.
The main difference between these two cards is that the Citi Simplicity® Card comes with a longer 0% intro APR period on balance transfers, while the Citi® Diamond Preferred® Card comes with a longer 0% intro APR period on purchases. Both cards have no annual fee.
Check out the comparison table below to find out which of the two cards could be a better fit for your financial situation.
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Citi® Diamond Preferred® Card
|
Citi Simplicity® Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 4.4 / 5.0 |
|
|
|
N/A |
N/A |
|
N/A |
N/A |
|
0% intro APR for 18 months, and then 15.74% to 25.74% variable |
0% intro APR for 12 months, and then 16.74% to 26.74% variable |
| $0 | $0 |
|
APR: 0% intro APR for 18 months, then 15.74% to 25.74% variable Fee: $5 or 5% of the transaction, whichever is greater |
APR: 0% intro APR for 21 months, then 16.74% to 26.74% variable Fee: $5 or 5% of the transaction, whichever is greater |
|
APR: 27.24% variable Fee: $10 or 5% of the transaction, whichever is greater |
APR: 16.74% to 26.74% variable Fee: $10 or 5% of the transaction, whichever is greater |
| 3% of each transaction | 3% of each transaction |
| Up to $39 | $0 |
| $0 | $0 |
| 23 days | 23 days |
| $0.50 | $0.50 |
| 690 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
What’s next?
For intro APRs, the Citi® Diamond Preferred® Card and Citi Simplicity® Card are superb picks. One has the best balance transfer intro APR you’ll find, while the other offers a top-notch intro APR on both purchases and balance transfers.
If neither card feels right, don’t worry: There are many other strong options for intro APRs. Compare them below.
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