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Citi® Diamond Preferred® Card vs. Citi Simplicity® Card
These cards are best for balance transfer intro APRs.
Credit Card Guides
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.
Summary of card features
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
- 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
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