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

Both the Citi® Diamond Preferred® Card and the Citi Double Cash® Card offer attractive features like no annual fees and introductory APR on balance transfers. If you're leaning toward maximizing balance transfer benefits, the Citi Diamond Preferred is the better choice due to its lengthy 0% APR period. However, for those who prioritize earning on every purchase, the Citi Double Cash stands out with its straightforward 2% cash back.

While the Citi Diamond Preferred doesn't offer a rewards program, its extended no-interest period on balance transfers can be a powerful tool for managing debt. Ultimately, the best card for you depends on whether you value longer debt relief or consistent cash back.

You might prefer the Citi Diamond Preferred if you're planning to make a large purchase or transfer a balance and would benefit from a lengthy 0% APR period. This card is designed to help you save on interest charges and manage debt over 21 months for balance transfers and 12 months on purchases.

You might prefer the Citi Double Cash if you're looking for a straightforward rewards card that earns cash back on every purchase. With 2% cash back on all purchases (1% when you buy and 1% as you pay), this card is a workhorse for everyday spending. The sign-up bonus can also provide a nice initial boost to your rewards earnings.

Evaluating APRs, fees, credit requirements, rewards and other features clarifies which card aligns with your financial habits. For instance, if you plan to carry a balance, the Citi Diamond Preferred's longer 0% APR period could save you more in interest. Conversely, if earning rewards on every purchase is a priority, Citi Double Cash's 2% cash back could offer greater long-term value.

MoneyGeek's ranking process evaluates credit cards like the Citi Diamond Preferred and Citi Double Cash across multiple use cases, such as balance transfers and cash back rewards.

The score for each card reflects the category in which it performs best. For the Citi Diamond Preferred, the focus is on balance transfers, with particular attention to the introductory purchase rate and regular APR. The Citi Double Cash is assessed for cash back, with a strong emphasis on the effective reward rate and the introductory purchase rate.