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Citi Diamond Preferred vs. Citi Dividend

Citi® Diamond Preferred® Card and Citi Dividend are two of the most popular credit cards offered by Citi, one of the world’s top banks. Both offer exciting perks and benefits that are unique only to each. These perks and benefits are discussed below.

All About the Citi® Diamond Preferred® Card

The Citi® Diamond Preferred® Card has interesting features that even the most well-known brands today cannot match. This card boasts of low interest rates on both balance transfers and purchases. Hence, if you are looking for a card that lets you shift your balance from a high-interest card, this may be your best choice.

Aside from the low interest rate, you will certainly benefit from the long introductory period on both transactions. You can enjoy over a year of no interest rate for your purchases and balance transfers with this card. A balance transfer fee, however, may be required.

Once the promotional period expires, the standard APR will take over. If you have a high credit score of at least 750, you can get lower than 12% interest rate. The highest is 21.99%, but you never have to worry about that if you pay your balances on time. Even though the Citi® Diamond Preferred® Card does not offer any rewards, you will be glad to know that there are actually exclusive benefits that you can gain from the card. These include special access to presale tickets, VIP packages, preferred seating, and live entertainment. There are also anti-theft solutions. Best of all, this card has no annual fee.

Citi Dividend Highlights

The Citi Dividend Platinum Select Visa card is a cash back card. It offers hundreds of cash backs once you spend the minimum required spending within the first three months. This card also offers a year of no interest rates on both balance transfers and purchases. The APR is slightly higher than the Citi® Diamond Preferred® Card, but it does not have an annual fee like the other mentioned card.

This card is great for those who want cash back rewards. If you often shop at Macy’s, you can get high cash back points. There are also revolving categories that you can sign up for to earn additional points. All points are convertible to cash or statement credits. All purchases you make will be equivalent to 1% cash back based on the amount you have spent. Cash advances may also be included in the cash back rewards.

Citi® Diamond Preferred® Card vs. Citi Dividend – Which is a Better Choice?

Based on the points stated above, it is not that difficult to pick the best card between the two. If you want an everyday card that will provide you with rewards, go for the Citi Dividend card. For those who prefer a card that is more straightforward, but comes with exclusive benefits, the Citi® Diamond Preferred® Card is an excellent option.


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