Citi® Diamond Preferred® Card
vs. Capital One Venture Rewards Credit Card

Both the Citi® Diamond Preferred® Card and the Capital One Venture Rewards Credit Card are standout choices for individuals with good to excellent credit. They offer introductory APR periods and the reliability of Mastercard. If you're seeking a card primarily for balance transfers, the Citi Diamond Preferred Card is the clear winner, with its exceptional 21-month 0% introductory APR on balance transfers.

However, the Venture card is the superior option for those who prioritize travel rewards and a substantial welcome offer. Despite having an annual fee, the Venture card offers unlimited miles on travel and everyday expenses, along with flexible redemption options, making it a compelling choice for frequent travelers.

You might prefer the Citi Diamond Preferred if you're planning to transfer a balance and want a lengthy 0% APR period to pay it off. With no annual fee and a competitive regular APR, it's a strong choice for those focused on debt management rather than rewards.

You might prefer the Venture card if you're a frequent traveler looking to earn miles on every purchase. Despite its annual fee, the card's generous welcome bonus and travel perks like Global Entry or TSA PreCheck credit can offset the cost for avid adventurers.

Evaluating the Citi Diamond Preferred and Venture cards across APRs, fees, credit requirements, rewards and other features can help you determine which card aligns with your financial habits. For instance, note the Citi Diamond Preferred's lack of an annual fee if you aim to minimize costs. On the other hand, frequent travelers might value the Venture's rewards on travel purchases.

MoneyGeek evaluates credit cards like the Citi Diamond Preferred and Venture using a ranking process tailored to specific use cases, such as balance transfers. For this comparison, each card's highest scoring use case is presented.

The balance transfer score, which is the focus for both cards, is influenced primarily by the quality of the balance transfer offer and the terms of the introductory 0% APR on purchases. Other factors include issuer satisfaction and penalties, which impact the overall score less. For a deeper understanding of our scoring system, you can review our ranking methodology.

For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply.