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Citi® Diamond Preferred® Credit Card review

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Advertiser Disclosure

Annual Fee
Interest Rate: Purchases
18.24% ‐ 28.99% (Variable) (0% for the first 12 months)
Interest Rate: Purchases
18.24% ‐ 28.99% (Variable) (0% for the first 12 months)
Balance Transfer
18.24% ‐ 28.99% (Variable) (0% for the first 21 months)
Balance Transfer
18.24% ‐ 28.99% (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 37 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.

- Ashley Parks, Bankrate

Thanks to its long introductory offer on balance transfers, the Citi Diamond Preferred Card is a solid option if you need to pay down debt. Just be sure to factor in the card’s high balance transfer fee when weighing options.

- Itzel Garcia Ruiz,

It offers a long 0% APR period for purchases and balance transfers, but other cards waive pricey fees for late payments.

- Melissa Lambarena, NerdWallet

With pedestrian benefits and a zero return on purchases, the Citi Diamond Preferred credit card isn’t very good at most things. Nevertheless, you’ll have a difficult time finding a card that’s better at balance transfers. This makes it a potential lifesaver to help you get out of debt if you’re drow...

- Sarah Hostetler, Time

The Citi® Diamond Preferred® Card, from our partner Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. This card can make debt reduction more cost effective with 0% intro APR for 21 months on eligible balance transfers from date of first tra...

- Toni Perkins-Southam, Caroline Lupini, Forbes


Interest Rates
Regular APR Interest Rate 18.24% ‐ 28.99% (Variable) (0% for the first 12 months)

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

Balance Transfer Interest Rate 18.24% ‐ 28.99% (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
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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.

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