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 two no-annual-fee cards are issued by Citi and have a lot in common. But the main difference between them is that the Citi Simplicity® Card comes with a longer intro APR period on balance transfers and a shorter intro APR period on purchases than what Citi® Diamond Preferred® Card offers.

City Simplicity also has no penalty APR and no late payment fees, which makes it a solid card if you’re looking to consolidate your debt.

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 N/A
  • One of the longest intro APR periods on balance transfers
Welcome offer
Welcome offer None None
Rewards
Rewards N/A

N/A

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

0% intro APR for 18 months, and then 15.24% to 25.24% variable

0% intro APR for 12 months, and then 16.24% to 26.24% variable

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

APR: 0% intro APR for 18 months, then 15.24% to 25.24% variable

Fee: No balance transfer fees for the first 4 months, then $5 or 5% of the transaction, whichever is greater

APR: 0% intro APR for 21 months, then 16.24% to 26.24% variable

Fee: No balance transfer fees for the first 4 months, then $5 or 5% of the transaction, whichever is greater

Cash advance
Cash advance

APR: 27.49% variable

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

APR: 16.24% to 26.24% 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 $35 $0
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.50 $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

  • Balance transfer intro APR
  • 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% APR credit cards

Name Product Intro Purchase APR Intro Balance Transfer APR Annual Fee
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% for the first 12 months (then 15.24% to 26.24% variable)
0% for the first 12 months (then 15.24% to 26.24% variable)
$95
Earn $250 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & fees
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
$0
Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
0% for the first 15 months (then 17.24% to 25.99% variable)
0% for the first 15 months (then 17.24% to 25.99% variable)
$0
0% intro APR for 15 months from account opening on purchases and balance transfers.
0% for the first 15 months (then 15.24% to 26.24% variable)
0% for the first 15 months (then 15.24% to 26.24% variable)
$0
Earn a $150 statement credit after you spend $1,000 or more in purchases with your new card within the first 3 months of card membership. Rates & fees
0% for the first 15 months (then 14.24%, 20.24% or 25.24% variable)
0% for the first 15 months (then 14.24%, 20.24% or 25.24% variable)
$0
An 15 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% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
0% for the first 12 months (then 15.24%, 19.24% or 25.24% variable)
$0
Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.
0% for the first 12 months (then 15.15% to 25.15% variable)
0% for the first 12 months (then 15.15% to 25.15% variable)
$0
Earn $150 in statement credit after you spend $1,200 on purchases within the first 90 days from account opening.

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