Citi Simplicity and Citi Diamond Preferred are two credit card offerings from Citibank, offering long 0% intro APR and a couple of additional benefits. But, none of them offer rewards or welcome bonuses.
Let's compare them side by side.
General Comparison: Citi Simplicity vs. Diamond
The Citi Diamond Preferred and Simplicity cards don't offer rewards or welcome bonuses but focus on providing a long 0% intro APR.
Although both cards have the same intro APR period, the Simplicity card has the upper hand thanks to a few extra perks, including no late fees and no introductory balance transfer fee.
Which Extra Benefits You'll Get On Both Cards?
Both cards offer additional benefits including:
- Automatic Account Alerts: Citi Diamond Preferred provides peace of mind with automatic account alerts, notifying you about balance levels, upcoming payments, or exceeding your credit limit through email or mobile notifications.
- $0 Liability on Unauthorized Charges: With Citi Diamond Preferred, you enjoy complete protection against unauthorized charges, ensuring you won't be held responsible for any unauthorized transactions online or otherwise.
- Free Access to Your FICO® Score: The card offers complimentary access to your FICO® Score, empowering you with valuable insights into your credit health.
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Benefits You'll Get Only With The Citi Simplicity Card
Here are some benefits exclusive to Citi Simplicity cardholders:
- No Late Fees and No Penalty Rate: Enjoy peace of mind with no late payment fees or penalty interest rates, even if you miss a payment deadline.
- Intro Balance Transfer Fee: For the first 4 months, you'll pay just a 3% balance transfer fee instead of the usual 5%.
When You Might Prefer The Citi Diamond Preferred?
- You Have a Lower Score: The Diamond Preferred card offers a bit lower threshold, so if you can't get the Simplicity card, that may be a good option if you need 0% intro APR.
When You Might Prefer The Citi Simplicity Card?
- You prioritize no fees: If you value a card with no late fees, no penalty rates, and a commitment to keeping things simple, this card may be your preferred choice.
- You Want Intro Balance Transfer Fee: if you want to transfer your balance from another card, the lower balance transfer fee may be a game changer and save you a lot of money.
Compare The Alternatives
If you're looking for cards with 0% intro APR, here are some good options:
|
|
| |
|---|---|---|---|
Capital One Savor card | Chase Freedom Unlimited® card | Bank of America Unlimited Cash Rewards
| |
Annual Fee | $0
| $0
| $0 |
Rewards |
1% – 8%
unlimited 3% cash back on dining, entertainment, popular streaming services, and grocery store purchases (excluding superstores like Walmart® and Target®). You’ll also earn 1% on all other purchases. Plus, you get 10% cash back on purchases through Uber and Uber Eats, 8% on Capital One Entertainment purchases, and 5% on hotels and rental cars booked through Capital One Travel
|
1.5% – 5%
5% cash back on travel booked through Chase Ultimate Rewards, 3% on dining (including takeout and eligible delivery), 3% on drugstore purchases, and 1.5% on all other purchases
| 1.5%
unlimited 1.5% cash back on all purchases
|
Welcome bonus |
$250
$250 cash bonus once you spend $500 on purchases within the first 3 months from account opening
|
$250
Earn a $200 bonus after you spend $500 on purchases in the first 3 months from account opening.
| $200
$200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.
|
Foreign Transaction Fee | $0
| 3%
| 3% |
Purchase APR | 19.74% – 29.74% (Variable)
| 19.99 – 28.74% variable
| 18.74% – 28.74% Variable APR |
Compare Citi Diamond Preferred Card
Each of these cards has its own goal – transferring your balance and use the long 0% intro APR, or getting decent rewards & sign up bonus
Citi® Diamond Preferred® vs Citi Rewards+® Card: Which Card Is Best?
In terms of 0% intro APR, the BankAmericard outshines the Diamond Preferred card. But what about other benefits? Here's our comparison
BankAmericard vs. Citi Diamond Preferred Card: How They Compare?
Both the Citi Diamond Preferred and the Wells Fargo Reflect card don't offer rewards or welcome bonuses, but a 0% intro APR. Which card wins?
Wells Fargo Reflect Card vs. Citi Diamond Preferred Card: Which Card Is Best?
Compare Citi Simplicity Card
The BankAmericard and the Citi Simplicity card don't offer rewards or welcome bonuses, only a long 0% intro APR. Here's our winner:
