The U.S. Bank Smartly edges out the Citi Diamond Preferred for most cardholders — it wins on 1 of 4 comparison categories and offers no current bonus earns more (up to 2x vs 1x). The Citi Diamond Preferred is the better choice if you prioritize a different rewards ecosystem.
Citi Diamond Preferred vs U.S. Bank Smartly
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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Quick summary
A short version of the comparison with the main differences at a glance.
The U.S. Bank Smartly edges out the Citi Diamond Preferred for most cardholders — it wins on 1 of 4 comparison categories and offers no current bonus earns more (up to 2x vs 1x). The Citi Diamond Preferred is the better choice if you prioritize a different rewards ecosystem. On raw upside, U.S. Bank Smartly tops out at 2x versus 1x for Citi Diamond Preferred. Current signup bonus values are roughly $0 for Citi Diamond Preferred and $0 for U.S. Bank Smartly. Updated May 31, 2026. Source: https://cardcurator.ai/compare/citi-diamond-preferred-vs-u-s-bank-smartly
- U.S. Bank Smartly wins 1 of 4 comparison categories in CardCurator's quick verdict model.
- Top earn rate: U.S. Bank Smartly reaches 2x; Citi Diamond Preferred reaches 1x.
- Annual fee: U.S. Bank Smartly is no annual fee; Citi Diamond Preferred is no annual fee.
- Current public bonus values are approximately $0 and $0.
Common Questions: Citi Diamond Preferred vs U.S. Bank Smartly
Is the Citi Diamond Preferred or U.S. Bank Smartly 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?
Both cards charge foreign transaction fees (Citi Diamond Preferred: 3%, U.S. Bank Smartly: 3%). Consider a no-foreign-fee card for international travel.
Can I hold both the Citi Diamond Preferred and the U.S. Bank Smartly?
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 U.S. Bank Smartly is from U.S. Bank, so they're governed by separate bank policies.