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Side-by-side
Capital One Spark Cash Plus vs Citi Diamond Preferred Card
Both are well-respected travel cards. The Capital One Spark Cash Plus comes from Capital One at $150/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 | Capital One Spark Cash Plus | Citi Diamond Preferred Card |
|---|---|---|
| Annual fee | $150 | $0 |
| Sign-up bonus | $4,000 cash 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 | business | |
| Best earning category (Hotels_capital_one) | 5x | 1x |
| Transfer partners | None | None |
| Headline benefits |
Read the full review
Capital One Spark Cash Plus
$150/yr · $4,000 cash 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, Capital One Spark Cash Plus 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 Capital One Spark Cash Plus's $150 annual fee worth it compared to the Citi Diamond Preferred Card?
- At $150/yr, the Capital One Spark Cash Plus is in the mid-fee tier. Compare its specific perks (lounge access, travel credits, primary rental insurance) to the Citi Diamond Preferred Card's, pick the one whose perks you'll actually use.
- Can I have both the Capital One Spark Cash Plus 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 Capital One Spark Cash Plus or the Citi Diamond Preferred Card first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Capital One Spark Cash Plus: 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.