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Citi Diamond Preferred Card

in Personal Credit Cards

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Citi Diamond Preferred Card

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in Personal Credit Cards

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Overview

Who is the Citi Diamond Preferred Card Designed For?

Citi Diamond Preferred is designed for people with excellent credit who are looking for a 0% APR credit card with no annual fee. It has a long 0% APR intro rate period on balance transfers and purchases available so it is a particularly good fit for people who carry a balance on their current credit and want to pay it off interest-free or who plan to make large purchases in the future.

What are the Rates for the Citi Diamond Preferred Card?

Once the intro rate ends, Citi Diamond Preferred credit card has a standard rate ranging from 14.49% APR to 24.49% APR, depending on creditworthiness for purchases and balance transfers. Cash advances have a 26.74% APR. However, what really makes this card stand out is its 21-month 0% APR on balance transfers and 12-month 0% APR on purchases. Heads up though, cardholders who are late on their payments will trigger a 29.99% APR penalty rate, which may apply to the account indefinitely.

What Are the Fees for Citi Diamond Preferred Card?

The Citi Diamond Preferred credit card doesn't have an annual fee but it does have a 3% fee ($5 minimum) on foreign transactions and balance transfers, a 5% ($10 minimum) cash advance fee, and a $35 fee on returned and late payments. In other words, don't take this card on a vacation abroad and avoid using it for cash advances, if at all possible.

What Is Citi Diamond Preferred Card's Rewards Program Like?

Citi Diamond Preferred doesn't have a rewards program. Its focus is on helping cardholders save on payments. However, it does have a generous set of services and perks for its cardholders.

What about Citi Diamond Preferred Card's Signup Bonus?

Citi Diamond Preferred doesn't have a signup bonus. Unless you count a 0% APR intro rate as a signup bonus, which you probably should.

Does the Citi Diamond Preferred Card Have Any Other Benefits?

Citi Diamond Preferred includes all the services and benefits you would expect from a prime credit card. These include a personal concierge service, emergency assistance and identity theft protection. The card also gives members the Citi Private Pass, which gives them exclusive access and VIP packages to entertainment events.

How Is Citi Diamond Preferred Card Better Than Other Credit Cards?

Citi Diamond Preferred is one of the best 0% APR balance transfer credit cards available. It has a long intro rate, no annual fee and an excellent set of services and perks. The only real caveats to consider are its 3% foreign transaction fee and its 3% balance transfer fee. To illustrate, if you transfer $20,000 of credit card debt, you will have 21 months to pay for it interest-free but you first will have to pay $600 to process the transfer. In its defense, a balance transfer fee is a necessary evil with most major balance transfer cards with the exception of the Chase Slate credit card.

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Availability

Available in 50 States and Washington, DC
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Grace Period / Deferred Interest (Months)
23
Over-Limit Fee
$0
Annual Fee
$0
No Annual Fee
Late Payment Penalty
$35
Returned Payment Fee
$35
Minimum Interest Charge
$0.5
Foreign Currency Transaction Fee
3%
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Credit Score Range
700 - 850
850 300 700
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Minimum Age
18
Customer Type
Personal
Card Type
  • Balance Transfer
  • Zero Percent
Card Network
  • Mastercard
Credit Card Benefits
  • Emergency Support
  • Fraud Liability
  • ID Theft Protection
  • Price Protection
  • Purchase Protection
  • Travel Assistance
Emergency Support
Car Rental Insurance
Extended Warranty
Fraud Liability
Travel Insurance
Flight Insurance
Purchases APR (variable)
14.49% - 24.49%
0% 29%
Balance Computation
daily balance (including current transactions)
Penalty APR
29.99%
Introductory Rate
0%
Balance Transfer APR (variable)
14.49% - 24.49%
8% 29%
Transfer Fee
5%
Transfer Fee Minimum
$5
Transfer Fee
5% or $5
Introductory Rate
0%
Intro APR period (months)
21

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