The Bank of America Unlimited Cash Rewards edges out the Citi Diamond Preferred for most cardholders — it wins on 2 of 4 comparison categories and offers $2 signup bonus earns more (up to 1.5x vs 1x). The Citi Diamond Preferred is the better choice if you prioritize a different rewards ecosystem.
Bank of America Unlimited Cash 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.
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Common Questions: Bank of America Unlimited Cash Rewards vs Citi Diamond Preferred
Is the Bank of America Unlimited Cash Rewards or Citi Diamond Preferred better for dining?
Neither card offers a specific dining bonus — both earn their base rate on restaurant purchases.
Which has the higher signup bonus in 2026?
Bank of America Unlimited Cash Rewards currently offers $2 signup bonus (spend $1,000 in 3 months). Citi Diamond Preferred offers no current bonus. Bank of America Unlimited Cash Rewards has the larger bonus.
Which card is better for international travel?
Bank of America Unlimited Cash 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 Unlimited Cash 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 Unlimited Cash Rewards is from Bank of America and Citi Diamond Preferred is from Citi, so they're governed by separate bank policies.