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CardCurator — Rewards Intelligence
Card Comparison

Bank of America Premium Rewards vs Citi Diamond Preferred

Side-by-side comparison of fees, rewards, benefits, and transfer partners.

Bank of America Premium Rewards card art
Bank of America Travel Rewards
Bank of America Premium Rewards
Bank of America
More Info
Citi Diamond Preferred card art
Citi ThankYou Points
Citi Diamond Preferred
Citi
More Info
Annual Fee
$95/yr
No annual fee
Foreign Fees
None
3%
Signup Bonus
60,000 points
Spend $4,000 in 3 months
None
Top Earn Rates
  • Travel 2x
  • Dining 2x
  • All Other Purchases 1.5x
1x base rate
Reward Type
miles
cashback
Key Credits
  • Airline Incidental Credit $100
  • TSA PreCheck / Global Entry $100
None
Transfer Partners
No transfer partners
  • AAdvantage
  • AAdvantage
  • Aeromexico Club Premier
  • Aeromexico Club Premier
  • Accor Live Limitless
  • +35 more
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Common Questions: Bank of America Premium Rewards vs Citi Diamond Preferred

Is the Bank of America Premium Rewards or Citi Diamond Preferred better for dining?

Bank of America Premium Rewards earns 2x on dining; Citi Diamond Preferred has no dining bonus.

Which has the higher signup bonus in 2026?

Bank of America Premium Rewards currently offers 60,000 pts signup bonus (spend $4,000 in 3 months). Citi Diamond Preferred offers no current bonus. Bank of America Premium Rewards has the larger bonus.

Which card is better for international travel?

Bank of America Premium Rewards charges no foreign transaction fees — the better pick for international use. Citi Diamond Preferred charges 3% on foreign purchases.

Can I hold both the Bank of America Premium Rewards and the Citi Diamond Preferred?

In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Bank of America Premium Rewards is from Bank of America and Citi Diamond Preferred is from Citi, so they're governed by separate bank policies.