Citi® Diamond Preferred®
The Bottom Line
2.8
BIG4CREDIT RANKING
Our 5-star rating is based on Big4credit’s independent, data-driven scoring system.
Each card is evaluated across multiple weighted categories – including rewards,
fees, welcome offers, 0% intro APR, ongoing APR, perks, benefits, and protections.
Ratings are determined solely by our research and analysis and are never influenced
by card issuers or advertisers. Read about our ranking system in the
Credit Card Ranking & Methodology section.
The Citi® Diamond Preferred® Card is a good fit for people who want to pay off debt or finance large purchases without interest piling up. It offers a long 0% intro APR for 21 months on balance transfers (if completed within the first 4 months) and 12 months on purchases, followed by a variable APR. It’s best for those focused on reducing interest costs rather than earning cashback or travel perks.
Citi® Diamond Preferred®
Apply now
On Citi's Secure Website
Annual fee:
$0
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
16.49% - 27.24% Variable APR
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
Pros and Cons
Pros:
- No annual fee
- Intro 0% APR on purchases and balance transfers
Cons:
- No rewards
- Foreign transaction fees
- No sign-up bonus
Fees and APR
- Annual Fee: $0.
- 0% Intro APR on Purchases: For 12 months from account opening.
- 0% Intro APR on Balance Transfers: For 21 months from account opening on balance transfers completed within the first 4 months.
- Regular APR: After the introductory period, a variable APR of 16.49% - 27.24% applies to purchases and balance transfers.
- Intro Balance Transfer Fees: $5 or 3% of the transfer amount, whichever is greater, for balance transfers made within the first 4 months.
- Regular Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater, for balance transfers made after the introductory period ends.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Convenience Features
Digital wallet compatible: Apple Pay®, Google Pay™, Samsung Pay.
Nice Extras
- Entertainment Access: Citi Entertainment® (presale ticket access and occasional exclusive events).
- Citi Travel®: Integrated travel booking portal (book flights, hotels, car rentals, and attractions using your eligible Citi card, points, or a combination of both).
Buy Now, Pay Later Options
Citi® Flex Pay: Buy now and pay over time with fixed monthly payments on eligible purchases of $75 or more, while still earning points on your purchases.
Additional Features
- Identity Theft Assistance: Mastercard ID Theft Protection (identity monitoring alerts and guided recovery support).
- Card Lock: Citi Quick Lock (temporarily blocks new purchases while allowing recurring transactions).
Terms and Conditions
Click Apply Now to see the terms and conditions.
Alternatives
- U.S. Bank Shield™: Offers 0% intro APR for 21 months on purchases and balance transfers, plus a 3-month interest-free payment plan each year after the intro period ends.
- BankAmericard®: Offers 0% intro APR for 21 months on purchases and balance transfers, followed by a low ongoing APR that helps reduce interest costs if you carry a balance.
- Chase Slate®: Offers 0% intro APR for 21 months on purchases and balance transfers, plus lifestyle perks.
» MORE: See Big4credit’s best credit cards for balance transfers
The information about the credit cards has been collected independently by big4credit.com. The card details have not been reviewed or approved by the card issuer.