
Citi® Diamond Preferred Card
in Personal Credit Cards from Citibank
Would you recommend Citi® Diamond Preferred Card to your friends?
Community Rating | Strongly recommended |
Purchase APR (Variable APR) | 13.74% - 23.74% |
Balance Transfer APR (Variable APR) | 13.74% - 23.74% |
Credit Score Range | 700 - 850 |
Annual Fee | $0 |
Number of Reviews | 5 |
Citi® Diamond Preferred Card Review
Citi® Diamond Preferred Card is a credit card issued by Citibank. If you're wondering whether Citi® Diamond Preferred Card is the right card for you, read on. This is everything you need to know to make a good choice.
- 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 12 months.
- Competitive APRs. Citi® Diamond Preferred Card has a variable purchase APR that ranges from 13.74% up to 23.74%.
- 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 up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $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 protection, and fraud protection.
- Good or better credit required. You should probably try with another card if your credit score is below 700.
The Good | The Bad |
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Is there a Citi® Diamond Preferred Card cash back or rewards program?
No, Citi® Diamond Preferred Card does not offer a rewards program.
What are the Citi® Diamond Preferred Card benefits?
Citi® Diamond Preferred Card 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Citi® Diamond Preferred Card has lower than average purchase APRs.Citi® Diamond Preferred Card has a variable purchase APR that ranges from 13.74% up to 23.74%. The card has a variable balance transfer APR that ranges from 13.74% up to 23.74%. It also has a variable cash advance APR of 25.24% . 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 introductory APR offer on balance transfers?
Yes, Citi® Diamond Preferred Card offers an introductory APR rate on balance transfers of 0% for a period of up to 21 months.
Description | |
---|---|
Balance Transfer Introductory APR | 0% |
Balance Transfer Intro APR Period | 21 months |
Balance Transfer APR | 13.74% - 23.74% |
Balance Transfer Fee Minimum | $5 |
Balance Transfer Fee % | 5% |
Does Citi® Diamond Preferred Card have an introductory APR offer on new purchases?
This card does offer an introductory APR rate of 0% on qualified purchases for a period of up to 12 months.
Description | |
---|---|
Introductory Rate | 0% |
Purchase Intro APR Period | 12 months |
What are the fees for Citi® Diamond Preferred Card?
The following fees apply to Citi® Diamond Preferred Card:
Fees | Amount |
---|---|
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Returned Payment Fee | up to $40 |
Late Payment Fee | up to $40 |
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 a foreign transaction fee.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.
Contact
- Headquarters
-
388 Greenwich Street
New York, NY 10013 - Visit Site
Other Services by Citibank

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
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- New Jersey
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- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Introductory Rate | 0% |
Purchase Intro APR Period (Variable APR) | 12 months |
Citi® Diamond Preferred Card Community Reviews
Would you recommend Citi® Diamond Preferred Card to your friends?
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