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 Simplicity® Card
|
|---|---|
|
★★★★★ 4.2 / 5.0 |
★★★★★ 4.4 / 5.0 |
| N/A |
|
| None | None |
| N/A |
N/A |
|
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 |
| $0 | $0 |
|
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 |
|
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 |
| 3% of each transaction | 3% of each transaction |
| $35 | $0 |
| $0 | $0 |
| 23 days | 23 days |
| $0.50 | $0.50 |
| 690 | 670 |
| Credit | Credit |
| Rates & Fees | Rates & Fees |
Which card should you choose?
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.
