Card Comparison
Citi Diamond Preferred vs Discover it Chrome
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
1 points
Top Earn Rates
1x base rate
- Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter 2x
- All Other Purchases 1x
Reward Type
cashback
cashback
Pts Value
~1.90¢/pt points · industry est.
~1.00¢/pt miles · industry est.
Key Credits
None
None
Transfer Partners
- AAdvantage
- AAdvantage
- Aeromexico Club Premier
- Aeromexico Club Premier
- Accor Live Limitless
- +35 more
Cash back only
Common Questions: Citi Diamond Preferred vs Discover it Chrome
Is the Citi Diamond Preferred or Discover it Chrome better for dining?
Citi Diamond Preferred has no dining bonus; Discover it Chrome earns 2x on dining.
Which has the higher signup bonus in 2026?
Citi Diamond Preferred currently offers no current bonus. Discover it Chrome offers 1 pts signup bonus. Discover it Chrome has the larger bonus.
Which card is better for international travel?
Discover it Chrome 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 Discover it Chrome ?
In most cases yes — holding both is allowed and can be a smart strategy for maximizing rewards across different spending categories. Citi Diamond Preferred is from Citi and Discover it Chrome is from Discover, so they're governed by separate bank policies.