Card Comparison
Citi Diamond Preferred vs Citi Thank You
Side-by-side comparison of fees, rewards, benefits, and transfer partners.
Annual Fee
No annual fee
No annual fee
Foreign Fees
3%
None
Signup Bonus
None
None
Top Earn Rates
1x base rate
- Gas Stations 5x
- All Other Purchases 1x
Reward Type
cashback
miles
Key Credits
None
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Common Questions: Citi Diamond Preferred vs Citi Thank You
Is the Citi Diamond Preferred or Citi Thank You 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?
Neither card has a current public signup bonus. Check the issuers' sites for any targeted offers.
Which card is better for international travel?
Citi Thank You charges no foreign transaction fees — the better pick for international use. Citi Diamond Preferred charges 3% on foreign purchases.
Can I hold both the Citi Diamond Preferred and the Citi Thank You?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Both cards are from Citi, so check their specific application rules.