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Citi® Diamond Preferred® Card vs Chase Sapphire Preferred® Card

Megan Horner

Updated Jan 2, 2021

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	Citi® Diamond Preferred® Card Rates & Fees	Chase Sapphire Preferred® Card Rates & Fees
finder.com's rating
finder.com's rating	★★★★★ 4.6 / 5.0	★★★★★ 4.3 / 5.0
Best for
Best for	Long intro APR periods and access to Citi Entertainment	Travel rewards and a great signup bonus
Welcome offer
Welcome offer	N/A	60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards
Rewards
Rewards	N/A	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases
Purchase APR
Purchase APR	0% intro APR for 18 months, and then 14.74% to 24.74% variable	15.99% to 22.99% variable
Annual fee
Annual fee	$0	$95
Balance transfer APR
Balance transfer APR	0% intro APR for 18 months, then 14.74% to 24.74% variable	15.99% to 22.99% variable
Cash advance
Cash advance	APR: 25.24% variable Fee: $10 or 5% of the transaction, whichever is greater	APR: 24.99% variable Fee: $10 or 5% of the transaction, whichever is greater
Foreign transaction fee
Foreign transaction fee	3% of each transaction	None
Late payment fee
Late payment fee	Up to $40	Up to $39
Additional cardholder fee
Additional cardholder fee	$0	$0
Interest-free period
Interest-free period	23 days	21 days
Minimum interest
Minimum interest	$0.50	$0
Minimum credit score
Minimum credit score	740	670
Card type
Card type	Credit	Credit
Learn more
Learn more	Read review	Read review

Summary of card features

Citi® Diamond Preferred® Card

Long intro APR period on both purchases and balance transfers
Citi Entertainment℠ for deals on dining and going out
No annual fee

Chase Sapphire Preferred® Card

Signup bonus. Earn 60,000 bonus points when you spend $4,000 in your first 3 months when you open your account. That's $750 in value when redeemed for travel purchases via the Chase Ultimate Rewards portal.
Earn reward points. Every time you use your card toward travel and dining purchases, you earn 2x points. All other purchases earn 1x points.
Point transfer. You can transfer your points in 1:1 ratio with Chase's hotel and airline partners, including British Airways, Air France KLM, Korean Air, Singapore Airlines, Southwest Airlines, United Airlines, Virgin Atlantic, IHG, Marriott and World of Hyatt.

Compare Citi® Diamond Preferred® Card vs. Chase Sapphire Preferred® Card

Name	Product	Welcome offer	Rewards	Annual fee	Filter values
Citi® Diamond Preferred® Card		N/A	N/A	$0		An impressive 18 months intro APR on balance transfers and purchases, as well as no annual fee make this one of the top 0% APR cards available.	Apply now View details	Compare	loading Fetching your data...
Chase Sapphire Preferred® Card		60,000 points after spending $4,000 in the first 3 months, a value of up to $750 through Chase Ultimate Rewards	5x points on Lyft, 2x points on travel and dining and 1x points on all other purchases	$95		Earn a signup bonus worth $750 with this popular travel card. Combine with other Chase Ultimate Rewards cards for even greater value.	Apply now View details	Compare	loading Fetching your data...

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Megan Horner

Megan Horner is the credit cards publisher at Finder. She's passionate about helping you find the best credit cards to meet your financial needs — whether that's earning great rewards or improving your credit score. Megan's expertise has been spotlighted on Lifehacker, CreditCards.com, American Banker and featured on news broadcasts across the country.

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