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Side-by-side
BECU Business Low Rate Credit Card vs Citi Diamond Preferred Card
Both are well-respected travel cards. The BECU Business Low Rate Credit Card comes from BECU at $0/yr; the Citi Diamond Preferred Card from Citi at $0/yr. Below: side-by-side specs, an opinionated verdict, and the FAQs people actually ask before applying.
Bottom line
These cards are close on the fundamentals (similar bonus value, similar fee). The right pick depends on which category you spend the most in and which transfer partners best fit your travel goals.
| Feature | BECU Business Low Rate Credit Card | Citi Diamond Preferred Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus | No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program |
| Bonus value (est.) | $0 | - |
| Min spend to unlock bonus | $0 in 0 mo | - |
| Issuer | BECU | Citi |
| Card category | low-interest | |
| Best earning category (All_purchases) | 0x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BECU Business Low Rate Credit Card
$0/yr · No welcome bonus
Read the full review
Citi Diamond Preferred Card
$0/yr · No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program
Editorial take: Citi Diamond Preferred Card
Common questions
- Which card has the bigger sign-up bonus, BECU Business Low Rate Credit Card or Citi Diamond Preferred Card?
- The BECU Business Low Rate Credit Card has a public bonus (No welcome bonus, worth roughly $0), while the Citi Diamond Preferred Card doesn't advertise one right now.
- Is the BECU Business Low Rate Credit Card's $0 annual fee worth it compared to the Citi Diamond Preferred Card?
- The BECU Business Low Rate Credit Card has no annual fee, so the question is whether the Citi Diamond Preferred Card's $0 fee is justified by its perks. If you'll use enough of the Citi Diamond Preferred Card's benefits to clear $0 in value annually, it's worth it; otherwise stick with the BECU Business Low Rate Credit Card.
- Can I have both the BECU Business Low Rate Credit Card and Citi Diamond Preferred Card?
- Yes, since they're from different issuers (BECU and Citi) the application rules don't conflict. Many points enthusiasts hold both, they pair well when one earns flexible bank points and the other earns a different currency.
- Should I get the BECU Business Low Rate Credit Card or the Citi Diamond Preferred Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BECU Business Low Rate Credit Card: $0 spend in 0 months. Citi Diamond Preferred Card: no published min spend. Pick the easier minimum spend if you're new to points; pick the larger bonus if you have planned big purchases coming up.
Card details on this page reflect the most recent data we've verified against the issuer's own site. Sign-up bonuses and fees can change at any time, confirm the current offer on the issuer's page before applying.