Southwest Rapid Rewards Premier Credit Card vs. Citi Diamond Preferred Card
On the criteria below, Southwest Rapid Rewards Premier Credit Card wins 3 of 5. The verdict depends on which criteria matter to you.
Southwest Rapid Rewards Premier Credit Card
Chase
Citi Diamond Preferred Card
Citi
Southwest Rapid Rewards Premier Credit Card wins 3 of 5 criteria here, making it the stronger all-rounder.
Southwest Rapid Rewards Premier Credit Card wins on earning ceiling, travel insurance, and foreign transactions; Citi Diamond Preferred Card wins on first-year math and annual fee.
Pick the Citi Diamond Preferred Card if year-one math is your priority; take the Citi Diamond Preferred Card if you want a cheaper card to keep long-term.
Who wins what
3 vs 2- First-year math Citi Diamond Preferred Card
Citi Diamond Preferred Card wins on bonus value minus annual fee.
- Annual fee Citi Diamond Preferred Card
Citi Diamond Preferred Card is $149 cheaper to keep.
- Earning ceiling Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card earns more on its best category (3× vs 0×).
- Travel insurance Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card carries built-in travel insurance.
- Foreign transactions Southwest Rapid Rewards Premier Credit Card
Southwest Rapid Rewards Premier Credit Card has a lower (or zero) foreign transaction fee.
By the numbers
- Annual fee
- $149
- Free
- Welcome offer (typical value)
- —
- —
- First-year net
- $-149
- +$0
- Peak earning rate
- 3×
- —
- Top categories
- Airfare, Groceries, Dining
- —
- Lounge access
- No
- No
- Travel insurance
- Yes
- No
- Elite status
- No
- No
- Foreign transaction fee
- None
- 3.00%
- Reward currency
- Southwest Rapid Rewards
- —
Welcome-offer dollar values use each program's typical-tier valuation from our signup bonus calculator. See the methodology page for sourcing details.