Discover it® Cash Back vs. Citi® Diamond Preferred® Card

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Discover it® Cash Back

Discover it® Cash Back

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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

★★★★★

4.8 / 5.0

★★★★★

4.2 / 5.0
Best for
Best for
  • Rotating cash back categories with no annual fee
  • Long intro APR periods
Welcome offer
Welcome offer

Discover will match cash back earned at the end of your first card year

N/A

Rewards
Rewards

5% back in rotating categories up to $1,500 combined each activated quarter, then 1% after that and on all other purchases

N/A

Purchase APR (annual percentage rate)
Purchase APR (annual percentage rate)

0% intro APR for 14 months, and then 13.49% to 24.49% variable

0% intro APR for 12 months, and then 15.24% to 25.24% variable

Annual fee
Annual fee $0 $0
Balance transfers
Balance transfers

APR: 0% intro APR for 14 months, then 13.49% to 24.49% variable

Fee:  ​ ​ ​ 3% of the transaction

APR: 0% intro APR for 21 months, then 15.24% to 25.24% variable

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

Cash advance
Cash advance

APR: 26.49% variable

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

APR: 26.74% variable

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

Foreign transaction fee
Foreign transaction fee None 3% of each transaction
Late payment fee
Late payment fee Up to $39 Up to $40
Additional cardholder fee
Additional cardholder fee $0 $0
Interest-free period
Interest-free period 25 days 23 days
Minimum interest
Minimum interest $0.50 $0.50
Minimum credit score
Minimum credit score 670 690
Card type
Card type Credit Credit
Rates and Fees
Rates and Fees Rates & Fees Rates & Fees
Learn more
Learn more

Which card should you choose?

Discover it® Cash Back

Discover it® Cash Back

  • Accelerated cash back in quarterly rotating categories
  • First year cashback match
  • Free FICO credit score
  • Ability to freeze your account

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

  • One of the longest intro APRs on balance transfers
  • Purchase intro APR
  • No annual fee

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
Capital One® Quicksilver® Cash Rewards Credit Card
$150 cash back after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn unlimited 1.5% cash back on every purchase, every day.
CardMatch™ from creditcards.com
See terms
See terms
See terms
Can't decide on a card? Get personalized credit card offers with CardMatch™.
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
Chase Freedom Unlimited®
$150 after spending $500 in the first 3 months
1.5% cash back on all purchases
$0
Earn a $150 signup bonus after spending $500 in the first 3 months from account opening.

Compare up to 4 providers

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