Citi® Diamond Preferred® Credit Card review

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Advertiser Disclosure

Interest Rate: Purchases
13.74% ‐ 23.74% (Variable) (0% for the first 12 months)
Balance Transfer
13.74% ‐ 23.74% (Variable) (0% for the first 21 months)
Signup Bonus

Informr score
The Citi® Diamond Preferred® Credit Card currently has an Informr score of 8.6 out of 10. This score is based on our evaluation of 24 sources including reviews from users and the web's most trusted critics.

Am I eligible?

Citi® Diamond Preferred® Credit Card is typically available to those with good credit scores (650 or greater).
To get this card, you must also:
Yes Be a permanent or temporary resident of USA

Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.

What the Critics Are Saying...

The Points Guy

If you’re just looking for a credit card with a good introductory APR offer, the Citi Diamond Preferred is a solid choice. While you aren’t earning rewards, it does come with a great balance transfer offer and a standard new purchases intro offer to help you save money on interest. Because it comes...

- Madison Blancaflor, The Points Guy

One of 2020’s top-tier 0% APR credit card offers, thanks to introductory rates of 0% for 21 months on balance transfers and 0% for 12 months on purchases. The average balance transfer card offers a 0% APR for just 13 months. The Diamond Preferred Card’s intro purchase APR lasts longer than average,...

- John S Kiernan, WalletHub

If you feel buried under credit card debt, transferring an existing balance to a card with a 0% introductory APR can be a great way to pay down debt without the burden of interest fees. The Citi Diamond Preferred is an excellent option if you’re looking for a balance transfer credit card. Unfortunat...

- Kevin Payne, FinanceBuzz

The Citi Diamond Preferred Card offers a generous 21 months at a 0% intro APR, which will be a boon for anyone who needs plenty of time to pay down credit card debt from other cards. Though the card has some less-ideal features such as balance transfer and late fees and a penalty APR, it offers some...

- SmartAsset
Money Crashers

If you seek awesome service and the ability to finance big purchase or transfer high-interest balances without breaking the bank, you’d be hard-pressed to do better.

- Brian Martucci, Money Crashers


Interest Rates
Regular APR Interest Rate 13.74% ‐ 23.74% (Variable) (0% for the first 12 months)

 This APR will vary with the market based on the Prime Rate.

Balance Transfer Interest Rate 13.74% ‐ 23.74% (Variable) (0% for the first 21 months)
  • Intro rate applies on balances transferred within the first 4 months of account opening. 
  • This APR will vary with the market based on the Prime Rate.
Cash Advance Interest Rate 25.24% (Variable)

 This APR will vary with the market based on the Prime Rate.

Rates & Fees
Annual Fee $0.00
Balance Transfer Fee 5%

Minimum of $5

Cash Advance Fee 5%

Minimum of $10

Foreign Transaction Fee 3%

Of each transaction in U.S. dollars.

Over Limit Fee $0.00
Late Payment Fee $40.00


Sign up bonus No
All Purchases No
Restaurants No
Gas No
Groceries No
Hotels No
Travel No
Pharmacy No
Bills No
Features & Benefits
Additional Card Holders Yes
Travel Accident Insurance No
Car Rental Insurance No
Car Rental Discount No
Extended Warranty No
Purchase Protection Yes
Zero Liability Yes
No Foreign Transaction Fees No
Emergency Assistance No
Concierge Service No
Price Protection No
Fraud Protection Yes
Free Credit Scores No
Wireless Payments Apple Pay, Samsung Pay, Android Pay
Virtual Cards Yes
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
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