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  Citi® Diamond Preferred Card

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Citi® Diamond Preferred Card Claimed

Citi® Diamond Preferred Card

Claimed
SuperMoney Net Recommendation Score +63  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.

+63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

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Highlights
Community Rating Strongly recommended
Purchase APR  (Variable APR) 15.99% - 25.99%
(Verified 08/04/2023)
Balance Transfer APR  (Variable APR) 14.74% - 24.74%
(Verified 08/04/2023)
Credit Score Range 700 - 850
Annual Fee $0
Number of Reviews 8

Citi® Diamond Preferred Card Review

This is a card issued by Citi®. If you're wondering whether Citi Diamond preferred card is the right card for you, read on.

Key Takeaways

  • 0% APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for up to 21 months, which is longer than the average 0% APR period of 12 months.
  • 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for up to 18 months.
  • Competitive APRs. Citi® Diamond Preferred Card has a variable purchase APR that ranges from 15.99% up to 25.99%.
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 5% Balance transfer fee. Citi® Diamond Preferred Card charges a fee of 5% on balance transfers. For example, a balance of $1,000 could cost $50 in transfer fees. The minimum fee is $5.
  • Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
  • Multiple credit card benefits. Includes generous credit card perks, such as emergency support, extended warranty protection on purchases, identity theft protection, purchase security, and fraud protection.
  • Good or better credit required. You will have low approval odds if your credit score is below 700.

Pros & Cons of Citi Diamond preferred card

The Good The Bad
  • Potentially lower than average purchase APRs.
  • 0% APR balance transfer intro rate on balance transfers for up to 21 months.
  • 0% APR on new purchases during the first 18 months. There is then a variable purchase APR that ranges from 15.99% up to 25.99%.
  • No annual fee.
  • Multiple credit card perks.
  • Extended warranty on purchases.
  • Free access to your credit score.
  • Identity Theft Protection.
  • Citi® Diamond Preferred Card reports to multiple credit bureaus.
  • You need good credit to qualify.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Charges a 5% balance transfer fee

Citi Diamond preferred card FAQ

Does Citi Diamond preferred card have a cash back or rewards program?

No, it does not offer a rewards program.

What are the Citi Diamond preferred card benefits?

It provides the following benefits:

  • Free Credit Score
  • Emergency Support
  • Extended Warranty Protection
  • Zero fraud liability
  • Reports to major credit bureaus

What are the relevant APRs for Citi Diamond preferred card?

According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has lower than average regular APRs.

Citi® Diamond Preferred Card has a variable purchase APR that ranges from 15.99% up to 25.99%. The card has a variable balance transfer APR that ranges from 14.74% up to 24.74%. It also has a variable cash advance APR of 27.49% . Note that late payments are subject to an APR of 29.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.

Does Citi Diamond preferred card have an intro APR offer on balance transfers?

Yes, it offers an intro APR rate on balance transfers of 0% for a period of up to 21 months.

Citi® Diamond Preferred Card Balance Transfers
Description
Balance Transfer Introductory APR 0%
Balance Transfer Intro APR Period 21 months
Balance Transfer APR 14.74% - 24.74%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%

Does Citi Diamond preferred card have an intro APR offer on new purchases?

Citi® Diamond Preferred Card Purchase Intro Offer
Description
Introductory Rate 0%
Purchase Intro APR Period 18 months

This card does offer an intro APR rate of 0% on qualified purchases for a period of up to 18 months.

What are the fees for Citi Diamond preferred card?

The following fees apply:

Citi Diamond preferred card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $
Initial Program Fee $
Foreign Transaction Fee 3%
Returned Payment Fee Starting at $ up to $41
Late Payment Fee Starting at up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost card.

Does Citi Diamond preferred card have a foreign transaction fee?

Citi Diamond preferred card charges a foreign transaction fee of 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.

What is the customer service phone number for Citi Diamond preferred card?

The Citi Diamond preferred card customer service number is (212) 559-1000.

What is the support contact email for Citi Diamond preferred card?

The support contact email for Citi Diamond preferred card is customer.help@citi.com.

What is the Citi Diamond preferred card login page?

You can access the Citi Diamond preferred card login page here.

How do people rate the customer service and user experience of Citi Diamond preferred card?

Overall, Citi Diamond preferred card is strongly recommended based on community reviews that rate customer service and user experience.

Does Citi® Diamond Preferred Card report your account activity to credit bureaus?

Yes, Citi® Diamond Preferred Card reports your account activity to the following credit reporting agencies:

  • Equifax
  • Experian
  • Transunion

Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.

How to apply for Citi Diamond preferred card

  • Visit the Citi Diamond preferred card website.
  • Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
  • Check the information is accurate and submit your application.

If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Other Credit Cards by Citi®

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Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Louisiana
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • New Jersey
  • New Mexico
  • New York
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Vermont
  • Virginia
  • Washington
  • Washington, DC
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Introductory Rate 0%
Purchase Intro APR Period (Variable APR) 18 months
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
No Annual Fee
Annual Fee $0
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 23 days
Returned Payment Fee Up to $41
Late Fee Amount Up to $41
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
  • Cash
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
  • Other
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 700 - 850
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Extended Warranty Protection
  • Purchase Protection
  • Emergency Support
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
Cash Advance APR (Variable APR) 27.49%
APR Type Variable APR
Balance Computation daily balance (including current transactions).
Penalty APR (Variable APR) 29.99%
Purchase APR (Variable APR) 15.99% - 25.99%
(Verified 08/04/2023)
Balance Transfer Introductory APR (Variable APR) 0%
Balance Transfer Intro APR Period (Variable APR) 21 months
Balance Transfer APR (Variable APR) 14.74% - 24.74%
(Verified 08/04/2023)
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 5%
Card Type
  • Balance Transfer
  • Low Interest
  • Zero Percent
Card Network Mastercard

Citi® Diamond Preferred Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +63, equating to 4.3 on a 5 point rating scale.

+63

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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