Citi Diamond Preferred Credit Card vs Citi Simplicity Credit Card
Fees, rewards and real yearly value, side by side. Updated October 29, 2026.
Citi Diamond Preferred Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Citi Simplicity Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
The short answer
- On typical spending both cards are worth about $312 a year after fees.
Side by side
| Citi Diamond Preferred Credit Card | Citi Simplicity Credit Card | |
|---|---|---|
| Annual fee | $0 | $0 |
| Rewards | The Citi® Diamond Preferred® Credit Card does not earn rewards but offers benefits such as a low intro balance transfer fee and free access to your FICO® Score | The Citi Simplicity® Credit Card does not earn rewards, but offers benefits such as no late fees, no penalty rate, and no annual fee |
| Welcome bonus | None | None |
| Credits counted | $0/yr | $0/yr |
| Intro APR | 0% for the first 18 months | 0% for the first 15 months |
| Regular APR | 19.99% to 29.99% variable | 19.99% to 28.99% variable |
| Foreign transaction fee | 3% | 3% |
| Credit needed | Good/Excellent | Good/Excellent |
Yearly rewards by category
| Category (monthly spend) | Citi Diamond Preferred Credit Card | Citi Simplicity Credit Card |
|---|---|---|
| groceries ($500) | $60 | $60 |
| dining ($400) | $48 | $48 |
| gas ($200) | $24 | $24 |
| travel ($300) | $36 | $36 |
| everything else ($1,200) | $144 | $144 |
Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending
Questions people ask
Which is better, the Citi Diamond Preferred Credit Card or the Citi Simplicity Credit Card?
On typical spending they're worth the same: about $312 a year each after fees. The difference is in the details below, such as intro APR length and fees.
Put any two cards head to head.
Pick any cards, including ones you already hold, and compare them on your own spending.
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Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.