Head to head 
Citi Diamond Preferred Card vs. Citi Simplicity Card
Even split across the criteria below. Pick the one whose strengths match how you'll actually use it.
Citi Diamond Preferred Card
Citi
Citi Simplicity Card
Citi
At a glance
Citi Diamond Preferred Card and Citi Simplicity Card split the criteria evenly. Neither is the obvious all-rounder; the right pick depends on which dimensions matter to you.
Who wins what
0 vs 0 (3 tie)- First-year math Tie
Both cards land within $25 of each other after the annual fee.
- Annual fee Tie
Same annual fee.
- Earning ceiling Tie
Same peak earning rate.
By the numbers
- Annual fee
- Free
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- +$0
- +$0
- Peak earning rate
- —
- —
- Top categories
- —
- —
- Lounge access
- No
- No
- Travel insurance
- No
- No
- Elite status
- No
- No
- Foreign transaction fee
- 3.00%
- 3.00%
- Reward currency
- —
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.