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

These cards are best for balance transfer intro APRs.

The winner: Citi Simplicity® Card

Citi Simplicity® Card logo

18 months

Intro APR on transfers

  • Market-leading 18 months intro APR on transfers and purchases
  • No late fees or penalty APR
  • No annual fee
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Kevin Joey Chen
Updated
Fact checked
These two cards — issued by Citi, a finder.com advertising partner — are very similar. Both cards offer long intro APRs on both balance transfers and purchases and have no annual fee.

The main difference is the Citi Simplicity® Card has fewer fees, while the Citi® Diamond Preferred® Card offers access to Citi Concierge and Citi Entertainment.

Check out the comparison table below to find out which of the two cards could be a better fit for your financial situation.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Terms apply, see rates & fees

Citi Simplicity® Card

Citi Simplicity® Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Long intro APR periods and access to Citi Entertainment
  • Long intro APR periods and few fees
Welcome offer
Welcome offer

N/A

N/A
Rewards
Rewards

N/A

N/A
Purchase APR
Purchase APR

0% intro APR for 18 months, and then 13.74% to 23.74% variable

0% intro APR for 18 months, and then 14.74% to 24.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 13.74% to 23.74% variable

0% intro APR for 18 months, then 14.74% to 24.74% variable
Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $40 $0
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 670 670
Card type
Card type Credit Credit
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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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