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

These cards are best for balance transfer intro APRs.

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Kevin Joey Chen
Updated . What changed?
Fact checked
These two cards issued by Citi are very similar. Both cards offer long intro APRs on both balance transfers and purchases and have no annual fee.

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The main difference is the Citi Simplicity® Card has fewer fees, while the Citi® Diamond Preferred® Card offers access to Citi Concierge and Citi Entertainment.

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

Terms apply, see rates & fees

Citi Simplicity® Card

Citi Simplicity® Card

Terms apply, see rates & fees
Finder rating
Finder rating

★★★★★

4.6 / 5.0

★★★★★

4.4 / 5.0
Best for
Best for
  • Long intro APR periods and access to Citi Entertainment
  • Long intro APR periods and few fees
Welcome offer
Welcome offer

N/A

N/A
Rewards
Rewards

N/A

N/A
Purchase APR
Purchase APR

0% intro APR for 12 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 transfer APR
Balance transfer APR

0% intro APR for 21 months, then 15.24% to 25.24% variable

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

APR: 26.74% variable

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

APR: 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 $40 $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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

What’s next?

For intro APRs, the Citi® Diamond Preferred® Card and Citi Simplicity® Card are superb picks. Both offer among the best balance transfer intro APRs you’ll find.

If neither card feels right, don’t worry: There are many other strong options for intro APRs. Compare them below.

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