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Side-by-side
BJ's One Mastercard vs Citi Diamond Preferred Card
Both are well-respected travel cards. The BJ's One Mastercard comes from Capital One 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 | BJ's One Mastercard | Citi Diamond Preferred Card |
|---|---|---|
| Annual fee | $0 | $0 |
| Sign-up bonus | No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program | |
| Bonus value (est.) | - | - |
| Min spend to unlock bonus | - | - |
| Issuer | Capital One | Citi |
| Card category | cashback | |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
BJ's One Mastercard
$0/yr ·
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, BJ's One Mastercard or Citi Diamond Preferred Card?
- Neither card has a publicly advertised sign-up bonus today. Watch for limited-time offers from each issuer.
- Is the BJ's One Mastercard's $0 annual fee worth it compared to the Citi Diamond Preferred Card?
- The BJ's One Mastercard 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 BJ's One Mastercard.
- Can I have both the BJ's One Mastercard and Citi Diamond Preferred Card?
- Yes, since they're from different issuers (Capital One 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 BJ's One Mastercard or the Citi Diamond Preferred Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. BJ's One Mastercard: no published min spend. 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.