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

If you're looking for a Citibank credit card with no annual fee and introductory 0% APR offers, you may be considering the Citi Rewards+ Card and the Citi Diamond Preferred Card. The Citi Rewards+ Card is the better choice for earning rewards, with a sign-up bonus and points on every purchase. In contrast, the Citi Diamond Preferred Card is ideal for those prioritizing a longer balance transfer offer to manage existing debt. Both cards cater to good to excellent credit profiles and offer a $0 annual fee.

You might prefer the Citi Rewards+ Card if: you enjoy earning rewards on your everyday purchases. This card offers a robust rewards program, including ThankYou points on travel booked through Citi and double points at supermarkets and gas stations for the first $6,000 per year. Additionally, the card entices new users with an introductory offer of 20,000 bonus points after spending $1,500 in purchases within the first three months. With a $0 annual fee and a 15-month 0% APR period on both purchases and balance transfers, it's a compelling option for those who want to maximize their spending benefits while also having the opportunity to manage existing debt.

You might prefer the Citi Diamond Preferred Card if: your primary goal is debt management. This card stands out with its extended 21-month 0% APR offer on balance transfers, one of the longest available. It can be particularly valuable for those looking to pay down existing balances without accruing additional interest. While it doesn't offer a rewards program, it provides a 12-month 0% APR period on purchases, which can be useful for making large purchases you plan to pay off over time. With the same $0 annual fee and recommended credit score range as the Citi Rewards+ Card, the Citi® Diamond Preferred Card is tailored for individuals who prioritize a longer runway for balance transfers over earning rewards.

The Citi Rewards+ Card is rated at 3.2 by MoneyGeek for balance transfers, indicating a solid option for those looking to manage existing credit card debt. With a recommended credit range of 670 to 850, this card is accessible to individuals with good to excellent credit. The absence of an annual fee makes it a cost-effective choice for budget-conscious consumers. This card is particularly good for those who frequently redeem points; it offers a unique benefit of 10% points back on the first 100,000 ThankYou points redeemed each year.

Additionally, the card's rewards program is tailored for travelers and everyday spenders, with a special offer to earn five ThankYou Points per $1 spent on travel through Citi Travel, double points at supermarkets and gas stations for the first $6,000 per year, and one point per $1 on all other purchases. These features make the Citi Rewards+ Card a versatile tool for earning rewards on a wide range of spending categories.

The Citi® Diamond Preferred® Card is a standout option for consolidating debt and saving on interest. With a MoneyGeek Balance Transfer Score of 4.1 out of 5, this card is highly regarded for its balance transfer capabilities. It offers an outstanding 21-month, 0% introductory balance transfer period, which is one of the longest available, making it an excellent choice for individuals with existing credit card debt looking to minimize interest charges.

The card also boasts a $0 annual fee and is best suited for those with a credit score ranging from 670 to 850. While it doesn't offer rewards or cash back, its other features, such as Citi Entertainment® access, add value for cardholders seeking entertainment experiences. If your primary goal is to tackle high-interest debt, the Citi Diamond Preferred Card could be a powerful tool in your financial arsenal.

Our breakdown will help you compare APRs, fees, required credit, rewards, introductory offers and other features of the Citi Rewards+ Card and the Citi Diamond Preferred Card. By examining these aspects side by side, you can pinpoint which card aligns with your spending patterns and financial objectives. For instance, if you're looking to transfer a balance and want a long introductory APR period, one card may stand out over the other. Alternatively, if earning rewards on every purchase is your priority, the other card might be more suitable.