Citi Diamond or Simplicity

[Sharingan]

The Citi Simplicity was my first Citi card, and I got it in 2011. Ever since then, I have always had some kind of balance transfer offer. Currently, I have one stating 0% until December 2016. Then again, all six of my Citi cards have had BT offers, sometimes all at once.

I must mention that I have called twice to have my Simplicity PC'd, and Citi will absolutely not budge with this card. Their ridiculous response is always, "because the interest rate on this card is locked and will not go up if you are late on a payment, we are unable to change it to any other Citi card." Fortunately, I was able to PC my ThankYou Preferred in order to get a Citi Dividend. If your intention is to PC after the promotional period, I'd go with the Diamond Preferred.

[RandomSpirit]

In addition to everything  else that has been said about these two cards, the cash advance APR on the Simplicity (in case you ever have an emergency and need to us it,, not saying  anyone should take CA's) is  nearly half of what it is for the Diamond. I get tons of CC offers monthy, literally,  weekly for these these two cards.  I compared the two offers side by side and that was the difference between the two offers to me was 12.99% versus 24.99& Cash Advance APR.   

[daniki]

Simplicity. Applied a couple weeks ago and got an $8600 limit. My scores all average 755 and my util was about 28%.  They ended up pulling EQ and EX. I only have one 21 mo old inq on EQ and 2 on EX that are 21 mo old and 18 mo old though.