Is Citi Diamond Preferred Card better than U.S. Bank Visa Platinum?

Choosing the best card depends on your needs and situation. If you’re looking to pay off your debt over an extended period, then the Citi Diamond Preferred Card will suit you. If you also want to pay off significant purchases over 20 months without interest, the U.S. Bank Visa Platinum is the best option.

Can you get Citi Diamond Preferred Card if you have U.S. Bank Visa Platinum?

Yes, you can apply for the two cards if you think you can benefit from having both.

Can you transfer points from Citi Diamond Preferred Card to U.S. Bank Visa Platinum?

Unfortunately, there’s no way to transfer points from the Citi Diamond Preferred Card to the U.S. Bank Visa Platinum.

Can you switch from Citi Diamond Preferred Card to U.S. Bank Visa Platinum?

Yes, you can switch if you think the U.S. Bank Visa Platinum is more suitable for your needs.

What’s harder to get, Citi Diamond Preferred Card or U.S. Bank Visa Platinum?

The application process for both cards is quick and straightforward, taking only a couple of minutes. However, you need a good to excellent credit score to get approved.

How much do you have to spend for Citi Diamond Preferred Card vs. U.S. Bank Visa Platinum to get the welcome bonus?

Unfortunately, neither card offers a welcome bonus upon signing up.

Citi® Diamond Preferred® Card vs. U.S. Bank Visa® Platinum Card: Which Is Best for You?

If you’re looking for a credit card to help you pay off your existing debt with a low balance transfer offer, the Citi Diamond Preferred Card or the U.S. Bank Visa Platinum may be the best option. MoneyGeek compared the two to help you decide which card is better for your needs.

Advertising & Editorial DisclosureLast Updated: 4/13/2022

Reviewed By

Brett Holzhauer

Last Updated: 4/13/2022

The Citi Diamond Preferred Card and the U.S. Bank Visa Platinum are two of the best balance transfer cards available on the market. In this guide, MoneyGeek compares them to determine the better option for those looking to consolidate debts.

We considered several factors, including the length of the introductory APR period, balance transfer fees, annual fees and other benefits. For example, the Citi Diamond Preferred Card has 0% Intro APR for 21 months on balance transfers and 12 months on purchases. Meanwhile, the U.S. Bank Visa Platinum has 0% Intro APR for 20 months on both.

OUR COMPARISON AT A GLANCE

Comparison Overview
Citi® Diamond Preferred® Card at a Glance
U.S. Bank Visa® Platinum Card at a Glance
Comparison Summary
Which Card Should You Get?

Comparison Overview: Citi® Diamond Preferred® Card vs. U.S. Bank Visa® Platinum Card

Citi® Diamond Preferred® Card
U.S. Bank Visa® Platinum Card
Has Annual Fee
Has Balance Transfer Offer
Has APR Offer
Has Rewarding Welcome Offer
Credit Needed
Excellent
Good-Excellent
Has Balance Transfer Fee
Has Foreign Transaction Fee
High APR

Citi® Diamond Preferred® Card At a Glance

The Citi Diamond Preferred Card is a great option for people who want to finance new purchases or pay off debt over an extended period. It has a 0% Intro APR for 21 months on balance transfers from the date of first transfer and 0% Intro APR for 12 months on purchases from the date of account opening. Cardholders can also enjoy the absence of an annual fee.

Citi® Diamond Preferred® Card
Best balance transfer card for immediate transfers
- ExcellentCredit Needed
- 0% APR on new purchasesAPR Offer
- 12 monthsAPR Offer Duration
- 0% Intro APR on balance transfersBalance Transfer Offer
- 14.74%–24.74%APR
Pros
Long 0% APR introductory term
No annual fees
Free access to FICO score online
Special access to Citi-branded tickets to events, etc.

Cons
Limited time to make balance transfers
No other significant rewards
Balance transfer fee of 5% of each amount transferred or $5 minimum, whichever is greater
0% APR on balance transfers for 21 months and 0% APR on purchases for 12 months, then a variable APR of between 13.74% and 23.74% based on your credit
Enjoy Citi Entertainment rewards and tickets upon making your account
Free FICO score access can be found through your online account’s portal
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated balance transfer cards at CardRatings.com.

U.S. Bank Visa® Platinum Card At a Glance

The U.S. Bank Visa Platinum is best for those who want a long interest-free period to pay off debts or make big purchases. It has a special 0% Intro APR for 20 billing cycles on both purchases and balance transfers. It also comes with cell phone insurance, which other balance transfer cards rarely offer. Additionally, the card won’t incur an annual fee.

U.S. Bank Visa® Platinum Card
Best balance transfer credit card for short-term debt repayment
- Good-ExcellentCredit Needed
- 0% APR on new purchasesAPR Offer
- 20 monthsAPR Offer Duration
- 0% Intro APR on balance transfersBalance Transfer Offer
- 14.49%–24.49%APR
Pros
No annual fee to increase your expenses
Excellent intro APR period for purchases and balance transfers
Comes with cell phone insurance
Flexible bill payment dates

Cons
Foreign transaction and cash advance fees
No rewards
0% APR for 20 months after account opening applies on purchases and balance transfers
Variable 14.49%–24.49% APR after the introductory period
Balance transfer fee is 3% of the transfer amount or $5 minimum, whichever is greater
Up to $600 cell phone protection against theft or damage, provided you pay your monthly cellular bill with this card
Disclaimer: Credit card offers are constantly changing. We work hard to stay updated with the latest information, but the offers listed on our site may no longer be available.
Terms, rates and fees apply
Compare this credit card with other top-rated cards from our partners.

Comparison Summary

MoneyGeek analyzed the differences between the Citi Diamond Preferred Card and the U.S. Bank Visa Platinum to help you decide which is the best balance transfer card for your needs.

Card Detail
Comparison Summary
Intro APR
The annual percentage rate (or APR) dictates a borrower’s interest on carried balances. Both cards offer a 0% APR introductory period.
The Citi Diamond Preferred Card gives its cardholders 21 months on balance transfers, among the longest for any balance transfer card. However, it only offers 12 months on purchases.
On the other hand, U.S. Bank Visa Platinum offers 20 months for both purchases and balance transfers.
Winner: U.S. Bank Visa Platinum
Regular APR
After the introductory period ends, there will be a variable APR based on your creditworthiness when you open your account.
For the Citi Diamond Preferred Card, the variable APR will be 13.74% to 23.74%. Meanwhile, the regular APR for U.S. Bank Visa Platinum is 14.49% to 24.49%.
Winner: U.S. Bank Visa Platinum
Balance Transfer Fee
To determine if transferring your balance is worth doing, it’s necessary to compare the balance transfer fee you’ll pay with what you’ll save on interest.
For the Citi Diamond Preferred Card, there is a 5% balance transfer fee with a $5 minimum. The U.S. Bank Visa Platinum, on the other hand, has a 3% balance transfer fee with a $5 minimum.
Winner: U.S. Bank Visa Platinum
Benefits
The Citi Diamond Preferred Card offers zero liability for any unauthorized charges made on your account. This means you won’t be responsible for a payment you did not authorize, online or otherwise. Cardholders also get special access to purchase tickets for exclusive events, including concerts, sporting events and dining experiences.
The U.S. Bank Visa Platinum card offers cell phone protection coverage. If you pay your phone bill with this card, you will be covered up to $600 for damage or theft. However, there’s a $25 deductible and the insurance is secondary to any phone insurance you already have.
Winner: Citi Diamond Preferred Card

Which Card Should You Get?

Finding the right balance transfer card for you isn’t always simple. What will help is first considering your needs and situation before choosing the Citi Diamond Preferred Card or the U.S. Bank Visa Platinum.

Who Should Consider the Citi® Diamond Preferred® Card?

The Citi Diamond Preferred Card offers a 0% Intro APR for 21 months on balance transfers, making it ideal for those looking to consolidate debts.

Individuals who want to pay off their credit card debt using balance transfer strategies can take advantage of this card’s lengthy introductory APR period.
People who want special access to tickets for exclusive events, including concerts, sporting events and dining experiences, can enjoy these perks through the card’s Citi Entertainment benefits.
≫ More: Read Our Full Review

Who Should Consider the U.S. Bank Visa® Platinum Card?

The U.S. Bank Visa Platinum is a great card for people who want an extended interest-free period to pay off debts and big purchases.

Individuals who want to avoid costly interest fees while paying off their debt can take advantage of U.S. Bank Visa Platinum’s 0% Intro APR for 20 months on bank transfers.
Those who want to make a major purchase can use their U.S. Bank Visa Platinum card to pay it off over 20 months without any interest.
≫ More: Read Our Full Review

EXPERT OPINION

If you’re looking for a credit card to help you pay off your existing debt with a low balance transfer offer, the Citi Diamond Preferred Card or the U.S. Bank Visa Platinum may be the best option.

Other Helpful Decision-Making FAQs

MoneyGeek answered some frequently asked questions to help you understand the differences between the Citi Diamond Preferred Card and the U.S. Bank Visa Platinum before making an informed choice.

Still Not Sure About These Cards? Consider These Options

The Citi Diamond Preferred Card and the U.S. Bank Visa Platinum are excellent balance transfer cards for people who want to consolidate debt. However, if you want more rewards from using your card, consider getting a rewards credit card instead.

View All Credit Cards

Learn more about credit cards in general

sources

Citi Bank. "Citi Diamond Preferred Card." Accessed January 5, 2022.
U.S. Bank. "U.S. Bank Visa Platinum." Accessed January 5, 2022.

*Rates, fees or bonuses may vary or include specific stipulations. The content on this page is accurate as of the posting/last updated date; however, some of the offers mentioned may have expired. We recommend visiting the card issuer’s website for the most up-to-date information available.
Editorial Disclosure: Opinions, reviews, analyses and recommendations are the author’s alone and have not been reviewed, endorsed or approved by any bank, credit card issuer, hotel, airline, or other entity.
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