Last Updated: 05/14/2026
SuperMoney User Recommendation Score +63
Strongly recommended8 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Variable APR)
18.24% - 28.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Variable APR)
18.24% - 28.99%(Verified 07/25/2024)
Disclaimer popup with additional information
Credit Score Range
700 - 850
Annual Fee
$0
Disclaimer popup with additional information
Number of Reviews
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% Intro APR balance transfer intro rate. Offers an introductory 0% APR rate on balance transfers for 21 months.
- 0% APR on new purchases. New cardholders receive an introductory 0% APR rate on new purchases for 18 months.
- N/A
- APR: This is not a great card for people who carry a balance. It has a variable regular purchase APR that ranges from 18.24% up to 28.99%.
- 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.$0
- A 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 up to 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 excellent credit required. You will have low approval odds if your credit score is below good.
Pros & Cons of Citi Diamond preferred card
| The Good | The Bad |
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. This card has lower than average regular APRs.Citi® Diamond Preferred Card has a variable purchase APR that ranges from 18.24% up to 28.99%. The card has a variable balance transfer APR that ranges from 18.24% up to 28.99%. It also has a variable cash advance APR of 29.99% .
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 intro APR offer on balance transfers?
Yes, it offers an intro APR rate on balance transfers of 0% for a period of 21 months.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer APR | 18.24% - 28.99% (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Introductory APR | 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Intro APR Period | 21 months | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee % | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Balance Transfer Fee Minimum | $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does Citi Diamond preferred card have an intro APR offer on new purchases?
| 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 18 months.
What are the fees for Citi Diamond preferred card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 (see terms and conditions) | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
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 up to 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 customer service number for Citi Diamond preferred card is (800) 950-5114.
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.
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 to the following credit bureaus:
- 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 build your credit.
Does Citi® perform a hard credit pull?
Yes, Citi Diamond preferred card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Citi Diamond preferred card
- Visit the website of Citi Diamond preferred card.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 6:00PM
Saturday
10:00AM - 3:00PM
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Other Credit Cards from Citi®
Purchase APR
19.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
680 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
620 - 850
300
850
Annual Fee
$0
Purchase APR
19.24% - 29.99%
Disclaimer popup with additional information
Balance Transfer APR
19.24% - 29.99%
Disclaimer popup with additional information
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Purchase APR
18.24% - 27.24%
Disclaimer popup with additional information
Balance Transfer APR
18.24% - 27.24%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$99
Purchase APR
20.49%
Disclaimer popup with additional information
Balance Transfer APR
20.49%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
21.24% - 29.24%
Disclaimer popup with additional information
Balance Transfer APR
21.24% - 29.24%
Disclaimer popup with additional information
Credit Score Range
720 - 850
300
850
Annual Fee
$95
Disclaimer popup with additional information
Rating not yet determined
Purchase APR
24.74%
Disclaimer popup with additional information
Balance Transfer APR
24.74%
Disclaimer popup with additional information
Credit Score Range
600 - 850
300
850
Annual Fee
$0
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
640 - 850
300
850
Annual Fee
$0 - $59
Rating not yet determined
Purchase APR
17.99% - 23.74%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
700 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
16.99% - 23.99%
Disclaimer popup with additional information
Balance Transfer APR
16.99% - 23.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$495
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +63, or 4.3 on a 5-point rating scale.
+63
-1000+100
No one recommends
Everyone recommends
Citi® Diamond Preferred Card Community Reviews
Would you recommend Citi® Diamond Preferred Card to your friends?
LA
Lisa A.
Oct 11, 2021
May or may not recommend
When I opened my credit card with Citi, I received an offer with a low APR and a substantial credit limit. I periodically receive offers for transfers with low-interest rates. I have had several cards through Citi and this one is the best!
Ciara J.
Oct 4, 2021
May or may not recommend
When I opened I recieved a low credit limit. I like that there is no annual fee. I wish that my credit limit could have been a little higher than I had personally hoped. The credit limit did not match my salary or credit score. I am hoping I can get a credit increase soon.
ES
Emily S.
Jun 23, 2021
May or may not recommend
In comparison to the chase sapphire this one is of lower risk with no annual fee, however, there are less perks. There is no sign up bonus or rewards but it's interest free and you can pick your payment date. There is more wiggle room if you don't travel too much but would still like to rack up mileage points to do so.
KM
Kennoel M.
Oct 6, 2020
May or may not recommend
I only had this card for one reason, and it's the only reason why I would recommend this card. I had 2 cards with high balances, but APR was a lot. The diamond preferred offered 0% intro APR for 18 months on balance transfers. I'm sure there's extra benefits for this card, but the 0% APR for balance transfers was enough for me to sign up and recommend.
RB
Robert B.
Sep 14, 2020
May or may not recommend
This is a great card for "down the fairway" features. The APR is generally in line with the competition, and I generally pay down my card every month, so that aspect isn't as important. What i do like is that they offer free credit reporting, and I like the fact that they are very careful about fraudulent purchases. I've only had it come up a few times ...Show More
Trisha D.
Sep 12, 2020
May or may not recommend
I recently closed my account for this card. It wasn't a bad card. But compared to my other cards, it was time for us to part ways. My reason for first obtaining this card was the compelling feature of 0% APR for the first 18 months. That allowed me to consolidate my debt through balance transfers and gave me sufficient time to repay without high interest rates. The very few ...Show More
Tiffany K.
Sep 9, 2020
May or may not recommend
The 0% balance transfer option on this card is awesome, and it frequently seems to be an offer that’s available. We have used this to save money paying off several credit cards. I also took out a Citi Flex loan using this card for some home improvement projects. The interest rate is great for that, and it’s a nice option as opposed to just using the credit card for ...Show More
Miron L.
Dec 12, 2019
May or may not recommend
This is one of the best zero interest cards available. 18 month no interest period!? Also no annual fee. Definitely a good option if you are looking to get a credit card to finance a major purchase. There are some others that have additional perks though.
Showing 8 of 8 reviews
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