Citi® Diamond Preferred® Card
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Chase Freedom Flex℠ Card
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8.1MyCreditCardLab Score
MyCreditCardLab Score 8.1We'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. |
8.7MyCreditCardLab Score
MyCreditCardLab Score 8.7We'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 | |
| $0 | $0 |
| INTRO APR | |
| 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-28.99% Variable APR | 0% intro APR on Purchases for first 15 months and 0% intro APR on Balance Transfers for first 15 months on qualifying balance transfers |
| REGULAR APR | |
| 18.24%-28.99% Variable | 20.49% - 29.24% Variable APR |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| This card does not offer a welcome bonus | $200 if you spend $500 in first 3 months |
| 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:
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Chase Freedom Flex℠ 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:
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| BENEFITS | |
| 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. | Decent welcome bonus - The offer is for $200 bonus. You get it after spending $500 on purchases in the first three months of account opening. This is stellar for a no-annual-fee card. Trip cancellation and interruption insurance - You get reimbursed up to $1,500 per person. You get $6,000 per trip. This covers your prepaid, nonrefundable passenger fares. This happens if your trip is canceled or cut short by sickness, bad weather, or other covered situations. Car rental insurance - If you charge your rental car to your card, you can receive coverage if it is damaged or stolen. The coverage is secondary and goes up to the car's cash value. World Elite Mastercard Benefits - As noted, the Freedom Flex is Chase’s first foray into the Mastercard market in five years. Adding Mastercard to the Chase lineup opens new features for Flex cardholders. Visa doesn't offer them. Two key benefits are cell phone protection and ID protection. Both are Mastercard staples. Base Rewards Rate of 1% Cash Back - Most cash back credit cards give 1% back as a base earning rate. The only way to get a higher base rate is to earn less from your chosen card. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transfer, whichever is greater | 29.99% variable, Either $10 or 5% of the amount of each transaction, whichever is greater. |
| BALANCE TRANSFER FEE | |
| APR: 18.24% to 28.99% variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater | 20.49% - 29.24% variable, plus either $5 or 3% of the amount of each transfer, whichever is greater in the first 60 days (5%, min $5 after) |
| RECOMMENDED CREDIT SCORE | |
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) |
| FOREIGN TRANSACTION FEE | |
| 3% | 3% |
| BEST FOR | |
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| More Details | More Details |
Citi® Diamond Preferred® vs. Chase Freedom Flex℠
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