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 Simplicity® Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 4.4 / 5.0 |
| None | None |
|
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 |
| $0 | $0 |
|
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 |
|
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 |
| $35 | $0 |
| $0 | $0 |
| 23 days | 23 days |
| $0.5 | $0.5 |
| 690 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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
- 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.
