Citi® Diamond Preferred® Card
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Chase Freedom Unlimited® 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 | Intro time end, 20.49% - 29.24% (V) APR after that |
| PROS | |
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| CONS | |
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| WELCOME BONUS | |
| This card does not offer a welcome bonus | Get an additional 1.5% cash back on everything you buy (on up to $20,000 spent in the first year) - worth up to $300 cash back! |
| 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 Unlimited® Card Rewards program provides exceptional flexibility in credit currency. Redeem your earnings across a wide range of options, 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. | Unique cash back rate boost - The Freedom Unlimited card's latest welcome offer is better than its normal one. It gives you a chance at up to $300 in cash back (1.5% on up to $20,000 spent in the first year). This is a $100 boost to the card's usual $200 offer. Travel - Travel and emergency assistance services can help if you have issues away from home. They provide legal and medical referrals and other help. Roadside Dispatch can help in a roadside emergency. It covers tows, jump starts, tyre changes, and lockout service. 0% intro rate for purchases and balance transfers - Chase Freedom Unlimited offers 0% APRs for new purchases. They also offer 0% APRs for balance transfers. This is for the first 15 months. The purchase part is fine. Just make sure to pay off your full balance before the high regular rates start. The only downsides are Chase Freedom Unlimited’s higher regular APR and its 3% balance transfer fee. The fee is for transfers in the first 60 days (5% after that). Purchase protection - If you buy an item with your Freedom Unlimited and it is stolen or damaged in the first 120 days, you can be reimbursed. You can get up to $500 per claim, with a max of $50,000 per account. Credit score & identity restoration services - Cardholders can use Chase Credit Journey to access their credit score at any time. They can also get no-cost identity restoration services. |
| CASH ADVANCE FEE / APR | |
| Either $10 or 5% of the amount of each transfer, whichever is greater | 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 | 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% in U.S. dollars |
| BEST FOR | |
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| More Details | More Details |
Citi® Diamond Preferred® vs. Chase Freedom Unlimited®
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