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

3 min read
Brendan Harkness By Brendan Harkness Oct 08, 2015 | Updated Sep 30, 2019

Some credit cards don’t offer points or cash back for purchases, but they can still give your wallet a helping hand in other ways.

That’s the case for these two credit cards offered by Citi: the Citi Simplicity® Card and the Citi Diamond Preferred® Card.

The Simplicity card is about as basic as they come, while the Diamond Preferred has a few extra bells and whistles. They both have very long 0% intro APRs, and you won’t find an annual fee on either card.

Keep reading to see how they compare in their interest rates, benefits, and services.

Citi Simplicity<sup>®</sup> Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

Our rating
Credit rangeGood
Details
Annual Fee$0*
Regular APR16.49% - 26.49%* (Variable)
Apply Now

securely on the issuer's website

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Our rating
Credit rangeGood
Details
Annual Fee$0
Regular APR15.24%–25.24% Variable
Apply Now

securely on the issuer's website

The Rewards

You won’t earn normal rewards, like points or cash back, with either of these cards.

When you spend with the Diamond Preferred, however, you’ll get 10% of the purchase amount in Citi® Easy DealsSM Points. These points can be cashed in through the Easy Deals marketplace for thousands of different deals from all kinds of retailers.

You can even enter your location, and Citi will show you where you can get savings and coupons at stores near you.

The Benefits

Citi Simplicity

Shopping

  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to 24 months; up to $10,000 per item

Citi Diamond Preferred

Perks

  • 24/7 Concierge Service

    Call any time to talk to your own personal assistant for all kinds of non-emergency help.

  • Citi® Easy Deals℠

    Members only savings on on brands like Gap, CVS and Footlocker. Check them out over at citieasydeals.com.

  • Citi® PrivatePass®

    Access to exclusive events and experiences.

Shopping

  • Purchase Protection

    Purchases are covered within 90 days of purchase against theft or damage, up to $1,000 per item; up to $50,000 per year.

  • Extended Warranty Protection

    Eligible warranties of 5 years or less can be extended by up to 24 additional months; up to $10,000 per item.

The Verdict

As you can see, neither card offers many benefits. The Diamond Preferred, though, has a few more shopping perks that you might find useful. So it’s the winner in this category.

Here’s a side-by-side comparison of the benefits offered by each card:

Citi Simplicity Citi Diamond Preferred

Perks

  • Free FICO Credit Score
  • Personal Concierge
  • Citi Private Pass
  • Free FICO Credit Score

Account

  • Choose your due date
  • Choose your due date

Security

  • Citi Identity Theft Solutions
  • Citi Identity Theft Solutions

Shopping

  • Extended Warranty
  • Zero Liability Protection
  • Citi Easy Deals
  • Purchase Protection
  • Extended Warranty
  • Zero Liability Protection

The Costs & Fees

Card Annual Fee Intro Purchase APR Intro Balance Transfer APR Regular Purchase and Balance Transfer APR Cash Advance APR Foreign Transaction Fee
Simplicity $0* 0% for 12 months* 0% for 21 months* 16.49% - 26.49%* (Variable) 16.49% - 26.49%* (Variable) 3%
Diamond Preferred $0 0% for 18 months  0% for 18 months 15.24%–25.24% Variable 27.49% Variable 3%
Card Penalty APR Late Fee Returned Payment Fee
Simplicity None None Up to $39
Diamond Preferred Up to 29.99% Variable Up to $39 Up to $39

The Verdict

These cards are a bit similar when it comes to some of the main terms here: neither card has an annual fee, and the purchase and balance transfer rates are about the same.

There are just a few important differences between these cards. Mainly, the intro APRs are of different lengths, as you can see.

You also won’t need to worry about late payment fees with the Simplicity if you forget to pay on time. And, the Simplicity has no penalty APR that could be applied if you make a late or returned payment.

It’s nice to have a card without these penalties, but as long as you commit to paying your bills on time you won’t have to worry about them. This would make the two cards more equal.

The Bottom Line

Since neither of these cards offer rewards or have an annual fee, the right one for you will depend on what else you’re looking for in a credit card.

Do you absolutely need a card without late fees or a penalty APR? If so, the Simplicity is the better choice for you.

Otherwise, you’ll probably enjoy using the Diamond Preferred more. It has the Easy Deals marketplace, the concierge service, and several shopping benefits, all of which you won’t get with the Simplicity.

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