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Side-by-side
Citi Diamond Preferred Card vs Navy Federal More Rewards / Flagship Rewards
Both are well-respected travel cards. The Citi Diamond Preferred Card comes from Citi at $0/yr; the Navy Federal More Rewards / Flagship Rewards from Navy Federal Credit Union at $49/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 | Citi Diamond Preferred Card | Navy Federal More Rewards / Flagship Rewards |
|---|---|---|
| Annual fee | $0 | $49 |
| Sign-up bonus | No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program | 35,000 bonus points (a $350 value) |
| Bonus value (est.) | - | $350 |
| Min spend to unlock bonus | - | $3,500 in ? mo |
| Issuer | Citi | Navy Federal Credit Union |
| Card category | travel | |
| Transfer partners | None | None |
| Headline benefits |
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
Read the full review
Navy Federal More Rewards / Flagship Rewards
$49/yr · 35,000 bonus points (a $350 value)
Editorial take: Navy Federal More Rewards / Flagship Rewards
Common questions
- Which card has the bigger sign-up bonus, Citi Diamond Preferred Card or Navy Federal More Rewards / Flagship Rewards?
- The Navy Federal More Rewards / Flagship Rewards has a public bonus (35,000 bonus points (a $350 value), worth roughly $350), while the Citi Diamond Preferred Card doesn't advertise one right now.
- Is the Citi Diamond Preferred Card's $0 annual fee worth it compared to the Navy Federal More Rewards / Flagship Rewards?
- The Citi Diamond Preferred Card has no annual fee, so the question is whether the Navy Federal More Rewards / Flagship Rewards's $49 fee is justified by its perks. If you'll use enough of the Navy Federal More Rewards / Flagship Rewards's benefits to clear $49 in value annually, it's worth it; otherwise stick with the Citi Diamond Preferred Card.
- Can I have both the Citi Diamond Preferred Card and Navy Federal More Rewards / Flagship Rewards?
- Yes, since they're from different issuers (Citi and Navy Federal Credit Union) 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 Citi Diamond Preferred Card or the Navy Federal More Rewards / Flagship Rewards first?
- Get the one whose sign-up bonus you can hit comfortably without overspending. Citi Diamond Preferred Card: no published min spend. Navy Federal More Rewards / Flagship Rewards: $3,500 in ? months. 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.