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.

Please note: Citi isn’t currently accepting applications for the Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi Simplicity® Card

Citi Simplicity® Card

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★★★★★

4.2 / 5.0

★★★★★

4.4 / 5.0
Welcome offer
Welcome offer None None
Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

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

0% intro APR for 12 months, and then 15.99% to 25.99% variable

Annual fee
Annual fee $0 $0
Balance transfers
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 21 months, then 15.99% to 25.99% variable

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

Cash advance
Cash advance

APR: 26.99% variable

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

APR: 15.99% to 25.99% variable

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

Late payment fee
Late payment fee $35 $0
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.5 $0.5
Minimum credit score
Minimum credit score 690 670
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
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 APR for Balance Transfer APR (Annual Percentage Rate) for Purchases
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn up to $250 back. Earn $150 back after you spend $1,000 or more in purchases with your new card within the first 3 months of Card Membership. Plus, earn an additional $100 back after you spend an additional $6,500 in purchases within your first 12 months. You will receive the cash back in the form of a statement credit. Rates & Fees
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
0% for the first 18 months (then 12.99%, 16.99% or 20.99% variable)
12.99%, 16.99% or 20.99% variable
An 18-month 0% Intro APR period on both purchases and balance transfers, plus zero foreign transaction fees, makes this is a strong well-rounded card. See Rates and Fees
0% for the first 15 months (then 14.99%, 18.99% or 24.99% variable)
14.99%, 18.99% or 24.99% variable
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 12 months (then 14.99% to 25.99% variable)
0% for the first 12 months (then 14.99% to 25.99% variable)
14.99% to 25.99% variable
Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees
0% for the first 15 billing cycles (then 13.99% variable)
13.99% variable
A low, variable APR on purchases, balance transfers and cash advances.
0% for the first 12 months (then 15.99% to 25.99% variable)
0% for the first 21 months (then 15.99% to 25.99% variable)
15.99% to 25.99% variable
The Best Interest Is No Interest. Take advantage of our low Intro APR for 21 months on balance transfers and for 12 months on purchases with the Citi Simplicity® Card.
0% for the first 20 billing cycles (then 11.99% to 23.99% variable)
0% for the first 20 billing cycles (then 11.99% to 23.99% variable)
11.99% to 23.99% variable
Special 0% introductory APR* on purchases and balance transfers for the first 20 billing cycles and after that, a variable APR, currently 11.49% - 23.49%,* based on your creditworthiness.
0% for the first 15 months (then 14.99% to 25.99% variable)
0% for the first 15 months (then 14.99% to 25.99% variable)
14.99% to 25.99% 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% for the first 14 months (then 13.99% to 24.99% variable)
0% for the first 14 months (then 13.99% to 24.99% variable)
13.99% to 24.99% 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% for the first 15 months (then 16.99% to 25.74% variable)
0% for the first 15 months (then 16.99% to 25.74% variable)
16.99% to 25.74% variable
Jumpstart your financial fitness! 60 day introductory balance transfer offer, save on interest, and get your free monthly credit score.

Compare up to 4 providers

Compare more balance transfer credit cards

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info

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US Credit Card Offers

Important Information*
Deserve® Classic Card
Deserve® Classic Card

APR

24.49
variable

Annual fee

0 For the first year
More info
Luxury Card Mastercard® Gold Card™
Luxury Card Mastercard® Gold Card™

APR

16.74
variable

Annual fee

995 For the first year
More info
First Access Visa Card®
First Access Visa Card®

APR

29.99
variable

Annual fee

75 For the first year
More info
Indigo® Platinum Mastercard® Credit Card
Indigo® Platinum Mastercard® Credit Card

APR

23.9
variable

Annual fee

75 For the first year
More info
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