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

These cards are best for balance transfer intro APRs.

Updated

Fact checked

These two cards — issued by Citi, a finder.com advertising partner — are very similar. Both cards offer long intro APRs on both balance transfers and purchases and have no annual fee.

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

Rates & Fees

Citi Simplicity® Card

Citi Simplicity® Card

Rates & Fees

finder.com's rating
finder.com's 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 18 months, and then 14.74% to 24.74% variable

0% intro APR for 18 months, and then 14.74% to 24.74% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 14.74% to 24.74% variable

0% intro APR for 18 months, then 14.74% to 24.74% variable

Cash advance
Cash advance

APR: 25.24% variable

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

APR: 25.24% 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 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 740 670
Card type
Card type Credit Credit
Learn more
Learn more

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Summary of card features

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

  • Long intro APR period on both purchases and balance transfers
  • Citi Entertainment℠ for deals on dining and going out
  • No annual fee

Citi Simplicity® Card

Citi Simplicity® Card

  • Intro APR period on balance transfers. For transfers made within the first 4 months of your account opening, get a 0% intro APR period for 18 months. After that, your rate will be from 14.74% to 24.74% variable.
  • Intro APR period on purchases. You also get a 0% intro APR period on all purchases made within the first 18 months of card membership. A variable APR of 14.74% to 24.74% applies thereafter.
  • No penalty APR and no late fees. Don’t worry if you make a late payment — you won’t pay any fee for being late and you won’t accrue a penalty APR, which is known to be up to 32% with other cards.

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% intro APR credit cards

Name Product Purchase APR Balance transfer APR Annual fee Filter values
Blue Cash Everyday® Card from American Express
0% intro for the first 15 months (then 13.99% to 23.99% variable)
N/A
$0
Get 3% cash back on groceries on up to $6,000 annually (then 1%) with no annual fee. This is a simple and effective rewards card. Rates & fees
Chase Freedom Flex℠
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
$0
Get up to 5% cashback in rotating and newly added everyday categories. The refreshed Freedom Flex card has lots of earning potential.
Citi® Diamond Preferred® Card
0% intro for the first 18 months (then 14.74% to 24.74% variable)
0% intro for the first 18 months (then 14.74% to 24.74% variable)
$0
An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.
Chase Freedom Unlimited®
0% intro for the first 15 months (then 14.99% to 23.74% variable)
14.99% to 23.74% variable
$0
This solid 1.5% cashback card gets even better with the addition of up to 5% back in categories like travel, drug stores and dining.
Citi® Double Cash Card
13.99% to 23.99% variable
0% intro for the first 18 months (then 13.99% to 23.99% variable)
$0
Earn up to 2% on every purchase with no annual fee. This is the highest flat-rate cashback card on the market.
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