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

26 December 2018

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

The Citi® Diamond Preferred® Card and Citi Simplicity® Card aren’t packed with features. Instead, they have one standout benefit: excellent intro APRs.

Go with the Citi® Diamond Preferred® Card if you want a stellar intro APR on purchases and balance transfers. If you want the very best balance transfer intro APR, try the Citi Simplicity® Card.

	Citi® Diamond Preferred® 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
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
Cash advance
Cash advance	APR: 27.49% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 15.99% to 25.99% variable Fee: $10 or 5% of the transaction, whichever is greater
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

Balance transfer intro APR
Purchase intro APR
No annual fee

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	Introductory Purchase APR	Intro APR for Balance Transfer	APR (Annual Percentage Rate) for Purchases
Chase Freedom®	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)	17.24% to 25.99% variable	0% intro APR for 15 months from account opening on purchases and balance transfers.	Apply now View details	Compare	loading Fetching your data...
Chase Freedom Unlimited®	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)	17.24% to 25.99% variable	0% intro APR for 15 months from account opening on purchases and balance transfers.	Apply now View details	Compare	loading Fetching your data...
Blue Cash Everyday® Card from American Express	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)	15.24% to 26.24% variable	Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
American Express Cash Magnet™ Card	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)	15.24% to 26.24% variable	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	Apply now View details	Compare	loading Fetching your data...
Blue Cash Preferred® Card from American Express	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)	15.24% to 26.24% variable	Earn $200 bonus cash back after you spend $1,000 on purchases in the first 3 months. Rates & Fees	Apply now View details	Compare	loading Fetching your data...
Barclaycard Ring® Mastercard®	N/A	0% for the first 15 billing cycles (then 14.24% variable)	14.24% variable	A low, variable APR on purchases, balance transfers and cash advances.	Apply now View details	Compare	loading Fetching your data...
HSBC Gold Mastercard® credit card	0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)	0% for the first 18 months (then 13.24%, 17.24% or 21.24% variable)	13.24%, 17.24% or 21.24% variable	A 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	Apply now View details	Compare	loading Fetching your data...
HSBC Cash Rewards Mastercard® credit card	N/A	0% for the first 15 months (then 15.24%, 19.24% or 25.24% variable)	15.24%, 19.24% or 25.24% variable	Earn unlimited 1.5% cash rewards on purchases. See Rates and Fees.	Apply now View details	Compare	loading Fetching your data...

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