Citi Custom Cash® Card
vs. Citi® Diamond Preferred® Card

Both the Citi Custom Cash® Card and Citi® Diamond Preferred® Card offer attractive features with no annual fees and introductory APR offers, making them strong contenders for anyone looking to optimize their credit card usage. If you're leaning toward maximizing cash back rewards, the Citi Custom Cash is the superior choice with its 5% cash back on your top spending category.

But if you’re focused on managing existing debt, the Citi Diamond Preferred stands out with its extended 0% APR period for balance transfers. While the Citi Custom Cash may not offer a rewards program, its introductory APR offer on balance transfers and purchases is a notable benefit that could still make it a valuable card for your wallet.

You might prefer the Citi Custom Cash if you're looking for a card that adapts to your spending habits, offering 5% cash back on your top eligible spending category each billing cycle, up to the first $500 spent. With no annual fee and a $200 cash back offer after meeting the initial spending requirement, this card rewards your everyday purchases efficiently.

You might prefer the Citi Diamond Preferred Card if your primary goal is to save on interest with balance transfers. With a lengthy 0% APR offer for 21 months on balance transfers and 12 months on purchases, this card can help manage existing debt. Additionally, it provides exclusive access to Citi Entertainment, all without an annual fee.

Evaluating APRs, fees, credit requirements, rewards and introductory offers will clarify which card aligns with you. For instance, if you're looking to maximize cash back, the Citi Custom Cash may be appealing, whereas the Citi Diamond Preferred could be ideal for consolidating debt with its longer balance transfer offer.

MoneyGeek evaluates credit cards like the Citi Custom Cash and Citi Diamond Preferred for various use cases, such as cash back and balance transfers. Each card receives a score for the use case where it performs best.

The Citi Custom Cash scores highest for cash back, while the Citi Diamond Preferred is top for balance transfers. The largest factors influencing these scores include the effective reward rate and introductory purchase offers for cash back, and the introductory purchase offers and regular APR for balance transfers.

For a deeper understanding of our scoring process, you can read more about our ranking methodology.