Note: We may earn commissions (at no cost to you) if you buy through links on our site. Learn more.

Citi® Diamond Preferred® Credit Card review

Compare Compare  
Advertiser Disclosure

Interest Rate: Purchases
14.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Balance Transfer
14.74% ‐ 24.74% (Variable) (0% for the first 18 months)
Signup Bonus

Informr score
The Citi® Diamond Preferred® Credit Card currently has an Informr score of 8.5 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 Citi Diamond Preferred is a solid tool for eliminating your credit card debt or paying down large purchases over time. But don’t look to score any rewards or other ongoing benefits since — let’s face it — this card doesn’t really have any. Before applying, explore other balance transfer offers a...

- Holly Johnson, NextAdvisor
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
Credit Card Insider

This card does a couple things, and it does them well. It’s unfortunate that the card has a balance transfer fee, but the length of the intro period nonetheless makes the Citi® Diamond Preferred® Card one of the more notable balance transfer cards that’s currently available. You just have to give it...

- Sean Messier, Credit Card Insider
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


Interest Rates
Regular APR Interest Rate 14.74% ‐ 24.74% (Variable) (0% for the first 18 months)

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

Balance Transfer Interest Rate 14.74% ‐ 24.74% (Variable) (0% for the first 18 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 3%

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, Google Pay
Virtual Cards Yes
Minimum Security Deposit $0
Minimum Age 18
Minimum Personal Income
Temporary Residents No
Additional comments
Terms & Conditions Official Terms & Conditions
Suggest a correction

Disclaimer: All products, logos, images and trademarks are the property of their respective owners. Content is not provided or commissioned by any company mentioned. Any views, analyses, or recommendations expressed here are those of the author's alone, and may not have been reviewed, approved or otherwise endorsed by any company mentioned.

Information in this article is believed to be accurate at the time it was written, but terms and conditions may change at any time. All information is presented without warranty or guarantee. Please verify all terms and conditions of any credit card prior to applying.

Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.

The Informr is an independent, advertising supported website and may receive compensation for sponsorships or when you click on certain affiliated links.

Use this card?

Help inform others by sharing your experience with Citi® Diamond Preferred® Credit Card

Rate It: