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

Updated

Fact checked

The winner for balance transfers: Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card logo

18 months

Intro APR on transfers

  • Market-leading 18 months intro APR on transfers and purchases
  • Potentially low revert rate of 14.74%-24.74% variable
  • No annual fee
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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Rates & Fees

Chase Sapphire Preferred® Card

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

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Summary of card features

Citi® Diamond Preferred® Card

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

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

Data indicated here is updated regularly
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.
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.
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