Citi Diamond Preferred vs. Citi Simplicity | finder.com

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

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

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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.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi Simplicity® Card

Citi Simplicity® Card

finder.com's rating
finder.com's rating

★★★★★

4.2 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Long intro APR period on purchases
  • One of the longest intro APR periods on balance transfers
Welcome offer
Welcome offer

N/A

N/A

Rewards
Rewards

N/A

N/A

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

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

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

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

Cash advance
Cash advance

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

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $39 $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 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

Citi Simplicity® Card

Citi Simplicity® Card

  • Enjoy a long balance transfer intro APR
  • Solid purchase intro APR
  • No annual or late fees

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% intro APR credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
0% intro for the first 15 months (then 16.24%, 22.24% or 26.24% variable)
$0
Earn unlimited 1.5% cash back on every purchase, every day.
0% intro for the first 18 months (then 12.99% to 20.99% variable)
0% intro for the first 18 months (then 12.99% to 20.99% variable)
$0
An 18 months 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% intro for the first 12 months (then 14.99% to 25.99% variable)
0% intro for the first 12 months (then 14.99% to 25.99% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% intro for the first 12 months (then 14.99% to 24.99% variable)
0% intro for the first 12 months (then 14.99% to 24.99% variable)
$0
Earn 3% cash back on up to $10,000 in the first 12 months, then 1.5% on all purchases. See Rates and Fees.
0% intro for the first 15 months (then 16.99% to 25.74% variable)
0% intro for the first 15 months (then 16.99% to 25.74% variable)
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent, then earn 1.5% cash back after that.

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