The Bank of America Premium Rewards edges out the Citi Diamond Preferred for most cardholders — it wins on 3 of 4 comparison categories and offers 60,000 pts signup bonus earns more (up to 2x vs 1x). The Citi Diamond Preferred is the better choice if you want no or lower annual fee.
Bank of America Premium Rewards vs Citi Diamond Preferred
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Comparison Method
CardCurator compares measurable differences first: annual fee, current welcome offer, top-end earning, and recurring credits. If the cards are close, the right answer depends on spending pattern and perk usage rather than headline prestige.
- Travel 2x
- Dining 2x
- All Other Purchases 1.5x
- Airline Incidental Credit $100
- TSA PreCheck / Global Entry $100
- AAdvantage
- AAdvantage
- Accor Live Limitless
- Accor Live Limitless
- Avianca LifeMiles
- +33 more
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.