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Citi® Diamond Preferred® Card vs. Citi Rewards+℠ Card

One is a 0% intro APR card; the other offers rewards.

Updated

Fact checked

These two cards from Citi — a finder.com advertising partner — are built for different needs. Pick the Citi® Diamond Preferred® Card if you want a long intro APR period. Consider the Citi Rewards+℠ Card, meanwhile, if you want rewards. You’ll earn 2x points at gas stations and supermarkets on the first $6,000 in qualifying purchases each year, then 1x points.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Rates & Fees

Citi Rewards+℠ Card

Citi Rewards+℠ Card

Rates & Fees

finder.com's rating
finder.com's rating

★★★★★

4.6 / 5.0

★★★★★

4.1 / 5.0
Best for
Best for
  • Long intro APR periods and access to Citi Entertainment
  • Rewards that round up to the nearest 10 points on every purchase
Welcome offer
Welcome offer

N/A

Earn 15,000 points after spending $1,000 in the first 3 months

Rewards
Rewards

N/A

Earn 2x points at supermarkets and gas stations on up to $6,000 annually, then 1x points after that and on all other purchases

Purchase APR
Purchase APR

0% intro APR for 18 months, and then 14.74% to 24.74% variable

0% intro APR for 15 months, and then 13.49% to 23.49% variable

Annual fee
Annual fee $0 $0
Balance transfer APR
Balance transfer APR

0% intro APR for 18 months, then 14.74% to 24.74% variable

0% intro APR for 15 months, then 13.49% to 23.49% variable

Cash advance
Cash advance

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

APR: 25.24% variable

Fee: $10 or 5% of the transaction, whichever is greater

Foreign transaction fee
Foreign transaction fee 3% of each transaction 3% of each transaction
Late payment fee
Late payment fee Up to $40 Up to $40
Additional cardholder fee
Additional cardholder fee $0
Interest-free period
Interest-free period 23 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 740 740
Card type
Card type Credit Credit
Learn more
Learn more

Read review

Read review

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

Citi Rewards+℠ Card

Citi Rewards+℠ Card

  • Reward points. Earn 2x points at supermarkets and gas stations on up to $6,000 in combined purchases each year. Once you reach the cap and on all other purchases, you earn 1x points.
  • Round up points. A rewards rate of 2x and 1x points may not seem like its worth earning a spot as one of the best rewards credit cards. But with the rounding up feature, your rewards rate is actually higher. Say you buy a $2 coffee. Your reward points will round up at 10x points, thus earning a 5% reward.
  • Bonus points. The card comes with 15,000 bonus points once you spend $1,000 in your first 3 months when you open your credit card account. Also, you get additional 10% bonus points for the first 100,000 points you redeem annually.

Compare credit cards

Name Product Welcome offer Rewards Annual fee Filter values
Blue Cash Everyday® Card from American Express
$150 after spending $1,000 in the first 3 months
2% at US gas stations and select US department stores, 3% at US supermarkets on up to $6,000 per year, then 1% after that and on all other purchases
$0
Earn a $150 bonus statement credit after you spend $1,000 on purchases in the first 3 months. Rates & fees
Chase Freedom Unlimited®
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% cash back on travel purchased through Chase, 5% on Lyft, 3% on dining and drugstores and 1.5% on all other purchases
$0
Earn a huge signup bonus for a no annual fee card with rewards of up to 5% cash back on popular everyday categories.
Chase Freedom Flex℠
$200 after spending $500 in the first 3 months, plus 5% cash back at grocery stores on up to $12,000 in the first year
5% back in rotating categories up to $1,500 combined each activated quarter (then 1%), 5% on travel purchased through Chase, 3% on dining and drugstores, and 1% on all other purchases
$0
This no-annual-fee cashback card is one of the most valuable on the market. It boasts a huge signup bonus and up to 5% cashback in multiple purchase categories.
Blue Cash Preferred® Card from American Express
$250 after spending $1,000 in the first 3 months
6% on select US streaming services, 3% on transit and US gas stations, 6% at US supermarkets on up to $6,000 annually, then 1% after that and on all other purchases
$95
6% cash back at US supermarkets. Rates & fees
Citi® Double Cash Card
N/A
Up to 2% cash back on purchases (1% when you buy plus 1% as you pay)
$0
This one of the most valuable flat cashback cards. It comes with 2% cash back (1% when you buy plus 1% when you pay) and 18 months to pay off transfers.
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