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

If you're looking for a Citi card with no annual fee and introductory APR offers, you may be considering the Citi Custom Cash and the Citi Diamond Preferred. The Custom Cash is better for earning cash back, with a $200 bonus after spending $1,500 in the first six months and 5% cash back on your top spending category each billing cycle, up to $500 spent. The Citi Diamond Preferred is ideal for balance transfers, offering a longer 0% intro APR period of 21 months. Both cards cater to those with good to excellent credit.

You might prefer the Citi Custom Cash if: you're looking to maximize cash back on your everyday spending. This card stands out with its tailored rewards program, offering 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, and 1% cash back thereafter. It's particularly beneficial if your spending aligns with the card's eligible categories. Additionally, the welcome bonus of $200 cash back after spending $1,500 on purchases in the first six months can be a lucrative incentive for new cardholders. With an expected reward value of around $541 annually, this card is a strong contender for those with good to excellent credit looking to earn rewards on their purchases.

You might prefer the Citi Diamond Preferred if: your primary goal is to manage existing credit card debt through balance transfers. The card offers an outstanding 21-month 0% introductory APR on balance transfers, one of the longest available, which can provide substantial savings on interest charges while you pay down your debt. While it doesn't offer a rewards program, the absence of an annual fee and the extended intro APR period make it an attractive option for those with good to excellent credit scores who need a longer runway to tackle their balances. But after the introductory period, the APR will revert to the standard rate, which could be as high as 29.99% variable.

The Citi Custom Cash is a versatile option for those who are looking for a balance transfer card but wants to earn cash back on their spending. This card caters to individuals with good to excellent credit scores, ranging from 670 to 850. The card's standout feature is its rewards program, which allows cardholders to earn 5% cash back on purchases in their top eligible spending category each billing cycle, up to the first $500 spent, and 1% thereafter. This tailored rewards system can be particularly beneficial for consumers who concentrate their spending in specific areas.

The card comes with a welcome bonus offer, adding an extra incentive for new users. While there is no annual fee, potential cardholders should be aware of the card's variable APR, which ranges from 19.24% to 29.24% after the 15-month 0% introductory period. This could be a consideration for those who tend to carry a balance from month to month.

The Citi Diamond Preferred is a standout choice for those looking to manage existing credit card debt particularly with its lengthy 21-month 0% introductory offer on balance transfers. This card is a solid option for consumers seeking to avoid annual fees, as it charges none, and for those who prioritize special access to events through Citi Entertainment over a rewards program.

This card does not offer cash back, miles or points. With a recommended credit range of 670 to 850, it's tailored for users with good to excellent credit. If you're looking for a card that can help you reduce debt without the distraction of managing rewards, the Diamond Preferred could be a good fit.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Citi Custom Cash and the Citi Diamond Preferred. Your choice depends on your financial habits and goals.