Citi Diamond Preferred vs. Citi Simplicity | finder.com

Citi® Diamond Preferred® Card vs. Citi Simplicity® Card

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Looking for a purchase or balance transfer intro APR? These cards lead the field.

The Citi® Diamond Preferred® Card and Citi Simplicity® Card aren’t packed with features. Instead, they have one standout benefit: excellent intro APRs.

Go with the Citi® Diamond Preferred® Card if you want the very best balance transfer intro APR. If you want a stellar intro APR on purchases and balance transfers, try the Citi Simplicity® Card.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi Simplicity® Card

Citi Simplicity® Card

Welcome bonus None None
Purchase APR (annual percentage rate)

0% intro APR for 12 months, and then 14.74% to 24.74% variable

0% intro APR for 18 months, and then 15.74% to 25.74% variable

Annual fee $0 $0
Balance transfers

APR: 0% intro APR for 21 months, then 14.74% to 24.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

APR: 0% intro APR for 18 months, then 15.74% to 25.74% variable

Fee: $5 or 5% of the transaction, whichever is greater

Cash advance

APR: 26.99% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 15.74% to 25.74% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee $35 $0
Additional cardholder fee $0 $0
Interest-free period 23 days 23 days
Minimum interest $0.5 $0.5
Minimum credit score 690 720
Card type Credit Credit
Learn more

Which card should you choose?

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

  • Balance transfer intro APR
  • Purchase intro APR
  • No annual fee

Pick the Citi® Diamond Preferred® Card if you want the longest balance transfer intro APR on the market: 0% for 21 months following your account opening. After that, you'll have an APR of 14.74% to 24.74% variable. As a tradeoff, the intro rate for purchases isn’t nearly as long. You’ll receive a 0% APR on purchases for only 12 months following your account opening, and a variable APR of 14.74% to 24.74% after that.

Citi Simplicity® Card

Citi Simplicity® Card

  • Balance transfer intro APR
  • Purchase intro APR
  • No annual or late fees

The Citi Simplicity® Card is the right choice if you want an excellent intro APR on both purchases and balance transfers: 0% for 18 months following your account opening. After that, an APR of 15.74% to 25.74% variable applies. With the Citi Simplicity® Card, you'll also never get charged a late fee or penalty APR if you can't make your payment on time or it just slips your mind.

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.

Compare 0% APR credit cards

Name Product Introductory Purchase APR Intro Purchase APR Period APR (Annual Percentage Rate) for Purchases
0%
15 months
14.74% to 25.74% variable
Earn 10,000 Membership Rewards® Points after you use your new Card to make $1,000 in purchases in your first 3 months.
0%
15 months
14.74% to 25.74% variable
Snag a $150 bonus statement credit after you spend $1,000 in the first 3 months
0%
12 months
14.74% to 24.74% variable
15,000 Membership Rewards points after you spend $1,000 in the first 3 months of opening your account
0%
12 months
14.74% to 25.74% variable
Earn $200 bonus cash back after you spend $1,000 in the first 3 months
0%
14 months
13.74% to 24.74% variable
Earn 5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus unlimited 1% cash back on all other purchases.
0%
18 months
15.74% to 25.74% variable
This is the only card with No Late Fees, No Penalty Rate and No Annual Fee - Ever. Give it a try and apply to find out what the Citi Simplicity® Card can do for you.
0%
15 months
16.74% to 25.49% variable
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.
0%
12 statement closing dates
16.74% to 24.74% variable
An intro offer rewards cardholders with a $250 value (25,000 online bonus points) after spending $1,000 within the first 90 days of account opening
12 months
13.74% variable
A low, variable APR on purchases, balance transfers and cash advances.

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