Chase Freedom Rise vs. Citi® Diamond Preferred®

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Chase Freedom Rise<sup>℠</sup> Chase Freedom Rise Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card
8.3MyCreditCardLab Score

MyCreditCardLab Score 8.3

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
5.1
Regular APR
8.4
Rewards
8.3
Benefits
7.9
Welcome Bonus
8.3
Recommended Credit Score: 9
Foreign Transaction Fee: 8.8
Cash Advance Fee: 8.5
Balance Transfer Fee: 8.2
8.1MyCreditCardLab Score

MyCreditCardLab Score 8.1

We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score.

Annual Fee
10
Intro APR
9.1
Regular APR
8.7
Rewards
5
Benefits
8.4
Welcome Bonus
5.4
Recommended Credit Score: 8.9
Foreign Transaction Fee: 8.2
Cash Advance Fee: 9.1
Balance Transfer Fee: 8.1
ANNUAL FEE
$0 $0
INTRO APR
None 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-28.99% Variable APR
REGULAR APR
26.74% Variable APR 18.24%-28.99% Variable
PROS
  • No annual fee
  • Unlimited 1.5% cash back on every purchase
  • Earns rewards
  • Does not require security deposit
  • Autopay bonus
  • 0% intro APR for 12 months on purchases
  • $0 annual fee
  • Offers intro APR for 21 months on Balance Transfers.
CONS
  • No bonus categories
  • High APR
  • Foreign fee
  • 5% (min $5) balance transfer fee
  • High regular APR
  • No rewards or welcome offer.
  • 3% foreign transaction fee
WELCOME BONUS
Earn a $25 statement credit after signing up for automatic payments within the first three months of opening your account. This card does not offer a welcome bonus
REWARDS
Chase Freedom Rise Rewards program boasts exceptional flexibility in credit currency. Redeem your earnings through a multitude of options, including:
  • Earn 1.5% cash back on all your purchases with the Chase Freedom Rise Credit Card.
  • Score a $25 statement credit when you sign up for autopay within 3 months of opening your account (terms apply).
  • No annual fee or minimum redemption requirements, it's a hassle-free way to earn rewards.
Citi® Diamond Preferred® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
  • This card does not offer rewards
BENEFITS
Building credit - Designed for those new to credit, with potential for credit line increase. It's best for students. Simple rewards - Flat 1.5% cash back on all purchases, no categories to remember. No annual fee - Keep your rewards without worrying about yearly charges. Free credit monitoring - Track your progress and learn credit-building tips. $25 bonus - Get a statement credit for setting up autopay within 3 months. Free access FICO® Score - Get free access to your FICO® Score online. ID theft protection - This applies to the Citi Diamond Preferred® Card. if you use most of your payments using a credit card this feature is best for you. However, Citi may offer identity theft resolution services. They help cardholders if they become identity theft victims. $0 fraud liability - Era of Technology, You get standard security features. They include $0 liability for unauthorized charges. You also get contactless payment. It adds convenience and security. EMV chip technology - This feature is useful for today. The card may have EMV chip technology. It makes unique codes for each purchase. This lowers the risk of counterfeit card fraud. Citi Entertainment - You can get into special events, presale tickets, and exclusive entertainment experiences through Citi Entertainment®. It makes being a cardholder better with unique entertainment.
CASH ADVANCE FEE / APR
Either $10 or 5% of the amount of each transaction, whichever is greater. Either $10 or 5% of the amount of each transfer, whichever is greater
BALANCE TRANSFER FEE
$5 or 5% of the amount of each transfer, whichever is greater APR: 18.24% to 28.99% variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
RECOMMENDED CREDIT SCORE
690 - 580 (Fair - Poor) 690 - 850 (Fair - Exceptional)
FOREIGN TRANSACTION FEE
3% 3%
BEST FOR
  • Students
  • Bad Credit
  • Everyday Spending
  • Small Business Owners
  • Entertainment
  • U.S. Supermarket Spending
  • Balance Transfers
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