Citi diamond vs Citi simplicity ... whats the difference?

[Anonymous]

They're both 21 months 0% APR, 3% balance transfer fee

 No annual fee cards... only difference i see the variable APR rate 1% difference. Wonder if Citi diamand credit limits averagely higher than Simplicity. 

[lhcole77]

And Simplicity has no late fee or penalty APR ever.

[Anonymous]

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@Anonymous wrote:

They're both 21 months 0% APR, 3% balance transfer fee

 No annual fee cards... only difference i see the variable APR rate 1% difference. Wonder if Citi diamand credit limits averagely higher than Simplicity. 

I have both and my simplicity SL was 500 more than DP. There are a few differences between the 2.

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[Anonymous]

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@Anonymous wrote:

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@Anonymous wrote:

They're both 21 months 0% APR, 3% balance transfer fee

 No annual fee cards... only difference i see the variable APR rate 1% difference. Wonder if Citi diamand credit limits averagely higher than Simplicity. 

I have both and my simplicity SL was 500 more than DP. There are a few differences between the 2.

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Which one you applied first ? I wonder if you could apply both the same day and count as 1 hard inquiry instead of 2.

[Anonymous]

Get something with ThankYou points not these two cards with CitiDeal points. I have thousands of "CitiDeal" points and they are only good for discounts (like 5-10%) off gift cards, etc.

I rolled these into my Citi Preferred World Elite which actually earn something you can use.

[kdm31091]

There's little difference between them. I think Simplicity has a few more perks such as no late fee ever, etc. Don't know how important that is to you.

Neither is a "must have" card, IMO, and they earn useless Citi Easydeal points. Do a google search. Almost NOBODY finds these points useful.

There are better cards out there, both for low rate and for rewards. Skip these.

[Anonymous]

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Which one you applied first ? I wonder if you could apply both the same day and count as 1 hard inquiry instead of 2.

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I apped for the simplicity first. And a few months later the DP. I wanted to do a BT with 0% for 21 months and that is why I apped for the DP. They only have me 4K SL. So, it wasn't a high enough SL to transfer my balances. SO, that card is useless to me now. The simplicity is nice but no biggie. I did get a 2K cli after 6 months and it is now at 6.5K. I opened that to get in the door with Citi. I just got approved for the DC and will be the one I use now from Citi. I wouldn't app for the DP. Try the DC if you want a Citi card.

[Anonymous]

the simplicity doesn't even offer rewards i don't think

[lhcole77]

Every card I've gotten from Citi has been a double HP (EX and EQ in NorCal).

When I got Simplicity two years ago FICO scores were 760+ Starting CL of $6K.

[Anonymous]

Me too I dot double pulled for EQ and EX as well and I'm from Sin City