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  Citi Diamond Preferred Card

Citi Diamond Preferred Card

in Personal Credit Cards from Citibank

Unaffiliated

Citi Diamond Preferred Card

Unaffiliated

in Personal Credit Cards from Citibank

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Highlights
Highlights
Annual Fee $0
Purchase APR  (Variable APR) 15.49% - 25.49%
Balance Transfer APR  (Variable APR) 15.49% - 25.49%
Credit Score Range 700 - 850

Citi Diamond Preferred Card Review

Citi Diamond Preferred Card is a credit card issued by Citibank. 

This card is designed for people with good credit. The minimum credit score to apply is 700. 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.

Pros & Cons of Citi Diamond Preferred Card
The Good The Bad
  • Lower than average purchase APRs.
  • No annual fee.
  • Has an introductory APR rate on balance transfers of 0%.
  • Multiple credit card perks.
  • Includes emergency support.
  • Purchase Protection.
  • Citi Diamond Preferred Card reports to multiple credit bureaus.
  • 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.
  • Is there a Citi Diamond Preferred Card cash back or rewards program?

    No, Citi Diamond Preferred Card does not offer a rewards program.

    Citi Diamond Preferred Card Rewards
    Rewards rate (all purchases) N/A
    Max rewards rate N/A
    Annual rewards limit N/A
    Signup Bonus ($) N/A

    What are the Citi Diamond Preferred Card benefits?

    Citi Diamond Preferred Card provides the following benefits:

    • Emergency Support
    • Zero fraud liability
    • ID Theft Protection
    • 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 15.49% up to 25.49%. The card has a variable balance transfer APR that ranges from 15.49% up to 25.49%. It also has a variable cash advance APR of 26.99% . 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?

    Yes, Citi Diamond Preferred Card offers an introductory APR rate on balance transfers of 0% for a period of up to 18 months.

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

    Citi Diamond Preferred Card Balance Transfers
    Description
    Balance Transfer APR 15.49% - 25.49%
    Introductory Rate 0%
    Intro APR period (months) 18
    Citi Diamond Preferred Card Rates & Terms
    Description
    Balance Computation daily balance (including current transactions)
    Purchase APR 15.49% - 25.49%
    Credit Limit N/A
    Penalty APR 29.99%
    Cash Advance APR 26.99%
    Security Deposit N/A
    Introductory Rate 0%
    Intro APR period (months) 18

    What are the Citi Diamond Preferred Card fees?

    The following fees apply to Citi Diamond Preferred Card:

    Citi Diamond Preferred Card Fees
    Fees Amount
    Annual Fee $0
    Foreign Transaction Fee 3%
    Balance Transfer Fee 5%
    Minimum Balance Transfer Fee $5
    Returned Payment Fee up to $39
    Late Payment Fee up to $39

    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?

    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 can help improve your credit score.

    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 you're denied click here to find out why your application may have been rejected and what you can do about it.

    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...

    Availability

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

    Annual Fee $0
    No Annual Fee  
    No Interest Grace Period for Late Payment 23
    Balance Transfer Fee % 5%
    Balance Transfer Fee Minimum $5
    Cash Advance Fee (%) 5%
    Cash Advance Fee Minimum $10
    Foreign Currency Transaction Fee 3%
    Late Fee Amount Up to $39
    Minimum Interest Charge $0.50
    Returned Payment Fee Up to $39
    Customer Type Personal
    Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
    Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
    Minimum Age 18
    Supported Income Types
    • 1099 Misc. Income
    • Cash
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
    Card Network
    • Mastercard
    Card Type
    • Balance Transfer
    • Zero Percent
    Credit Bureau Reporting
    • Equifax
    • Experian
    • TransUnion
    Credit Card Benefits
    • Emergency Support
    • Fraud Liability
    • Identity Theft Protection
    • Purchase Protection
    Extended Warranty  
    Fraud Liability  
    Cash Advance APR (Variable APR) 26.99%
    Purchase APR (Variable APR) 15.49% - 25.49%
    Balance Computation daily balance (including current transactions)
    Introductory Rate 0%
    Penalty APR 29.99%
    Balance Transfer APR (Variable APR) 15.49% - 25.49%
    Intro APR period 18
    Introductory Rate 0%

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