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

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

Citi is a Finder advertising partner

These two cards from Citi 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

Terms apply, see rates & fees

Citi Rewards+® Card

Citi Rewards+® Card

Terms apply, see rates & fees

Finder rating
Finder 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 20,000 bonus points after you spend $1,500 in purchases with your card within 3 months of account opening; redeemable for $200 in gift cards at thankyou.com

Rewards
Rewards

N/A

For a limited time, earn 5 ThankYou® Points per $1 spent at restaurants up to $6,000 in the first 12 months and 1 ThankYou® Point per $1 spent thereafter.

Purchase APR
Purchase APR

0% intro APR for 12 months, and then 15.99% to 25.99% variable

0% intro APR for 15 months, and then 15.74% to 25.74% variable

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

0% intro APR for 21 months (then 15.99% to 25.99%) Balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater variable

0% intro APR for 15 months (then 15.74% to 25.74%) Intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5) variable

Cash advance
Cash advance

APR: 27.49% variable

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

APR: 27.49% 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 $41 Up to $41
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 670 670
Card type
Card type Credit Credit
Learn more
Learn more

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