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

Annual Fee
Interest Rate: Purchases
17.74% ‐ 28.49% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
17.74% ‐ 28.49% (Variable) (0% for the first 12 months)
Balance Transfer
17.74% ‐ 28.49% (Variable) (0% for the first 21 months)
Balance Transfer
17.74% ‐ 28.49% (Variable) (0% for the first 21 months)
Signup Bonus
Signup Bonus

Informr score
The Citi® Diamond Preferred® Credit Card currently has an Informr score of 8.4 out of 10. This score is based on our evaluation of 33 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...


This card’s long intro APR offer could give you a needed reprieve from interest charges, but its lack of ongoing rewards means it won’t offer much long-term value after you’ve paid off your balance.

- Nouri Zarrugh, Garrett Yarbrough, Bankrate

If you need a little more time to make a dent in your debt, the Citi® Diamond Preferred® Card, from our partner Citi, offers you the chance to make it happen. The extended 21 months of 0% intro APR is the biggest reason this credit card is among the best for balance transfers to wipe out existing cr...

- Eric Rosenberg, SlickDeals
Money Crashers
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
Elite Personal Finance
Elite Personal Finance

Citi Diamond Preferred® Card is a great option for people seeking a balance transfer credit card offering 0% APR long-term. Just the privilege that you do not need to pay any interest on your purchases or balance transfers transferred from another card is by itself a significant beneficial aspect. S...

- Elite Personal Finance
The Points Guy
The Points Guy

Avoiding interest for 21 months could help you reduce stress and save money if you have significant credit card debt. However, you will pay a fee to transfer your balance(s) to the Citi Diamond Preferred. It's also worth considering whether you'll be approved for a new credit card if you have signif...

- Ryan Smith, The Points Guy


Interest Rates
Regular APR Interest Rate 17.74% ‐ 28.49% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 17.74% ‐ 28.49% (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 29.99% (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 $41.00


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: