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

These cards are best for balance transfer intro APRs.

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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