Which card earns more rewards, the My Best Buy® Visa® Card or Citi® Diamond Preferred® Card?

The Citi® Diamond Preferred® Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi® Diamond Preferred® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi® Diamond Preferred® Card?

The Citi® Diamond Preferred® Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi® Diamond Preferred® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Which card earns more rewards, the My Best Buy® Visa® Card or Citi® Diamond Preferred® Card?

The Citi® Diamond Preferred® Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.

Should I get the My Best Buy® Visa® Card or the Citi® Diamond Preferred® Card?

Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

My Best Buy® Visa® Card vs Citi® Diamond Preferred® Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi® Diamond Preferred® Card wins on dining. Here's how they compare.

Fees & Welcome Offer

Annual Fee

Welcome Bonus

—

Earn Rates

Category	My Best Buy® Visa® Card	Citi® Diamond Preferred® Card
Best Buy Purchases	5X	1X
Dining	2X	2X
Entertainment	0.5X	2X
Grocery Stores	2X	1X
Streaming	0.5X	2X
Everything Else	0.5X

Benefits & Features

Network

VISA

MASTERCARD

Key Benefits

None

Pros & Cons

Pros

—

+Extended 0% intro APR period on balance transfers (typically 21 months)
+No annual fee
+Earns 2x Citi ThankYou Points on dining, entertainment, and streaming
+1x points on all other purchases
+Access to Citi Entertainment for event presales

Cons

—

−Balance transfer fee applies (typically 5%)
−3% foreign transaction fee
−No purchase protection or extended warranty benefits
−Limited value after promotional period ends
−Modest rewards compared to dedicated rewards cards

Category-by-Category Winner

The Citi® Diamond Preferred® Card wins in 3 of 5 categories. The My Best Buy® Visa® Card leads in 2.

Best Buy Purchases

My Best Buy® Visa® Card earns 5X vs 1X

Grocery Stores

My Best Buy® Visa® Card earns 2X vs 1X

Entertainment

Citi® Diamond Preferred® Card earns 2X vs 0.5X

Streaming

Citi® Diamond Preferred® Card earns 2X vs 0.5X

Everyday purchases

Citi® Diamond Preferred® Card earns 1X on all other spending vs 0.5X

Which Card Is Right for You?

Get the My Best Buy® Visa® Card if you:

+Do most of your spending at grocery stores

Get the Citi® Diamond Preferred® Card if you:

+Prefer a high flat rate across all spending

The Bottom Line

For everyday spending, the Citi® Diamond Preferred® Card earns more with its 1X base rate.

Frequently Asked Questions

Which card earns more rewards, the My Best Buy® Visa® Card or Citi® Diamond Preferred® Card?: The Citi® Diamond Preferred® Card has a higher base earn rate (1X vs 0.5X), but both cards have different bonus categories where they excel.
Should I get the My Best Buy® Visa® Card or the Citi® Diamond Preferred® Card?: Both cards have the same $0/yr fee. Choose based on which bonus categories match your spending — check the earn rate comparison above.

Explore More

My Best Buy® Visa® Card — Full Review All Citi Cards

Citi® Diamond Preferred® Card — Full Review All Citi Cards

Browse all comparisons →Browse all card categories →

Official issuer pages: Citi cards

Editorial disclosure: The analysis on this page is based on publicly available card data and is updated regularly. CardRewards.ai is an independent comparison service. Card issuers do not influence our rankings or editorial content. Last updated: June 2026.

My Best Buy® Visa® Card vs Citi® Diamond Preferred® Card

Both cards cost $0/yr. The My Best Buy® Visa® Card is better for best buy purchases, while the Citi® Diamond Preferred® Card wins on dining. Here's how they compare.