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.
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
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.
- Balance Transfer Fees: $5 or 5% of each transfer amount, whichever is greater.
- Foreign Transaction Fee: 3% of each purchase transaction in U.S. dollars.
Exclusive Offers
- Citi Entertainment®: Access exclusive experiences like presale tickets, VIP packages, and events for concerts, sports, dining, and more.
Additional Features
- Zero Liability Protection: You won’t be held responsible for unauthorized charges made with your card or account info, just report them promptly.
- Free FICO® Score Access: View your FICO® Score for free, updated monthly in your Mobile Banking app or Online Banking. Opt in to see key factors affecting your score and tips to help maintain your credit health.
- 24/7 Customer Service: Get help anytime with round-the-clock customer support whenever you need it.
- Account Alerts: Stay on top of your balances, due dates, and transactions with customizable email or text alerts, so you’re always informed and in control.
- Flexible Payment Options: Choose a payment due date that works for you - whether it’s at the beginning, middle, or end of the month - and decide whether to pay your balance in full or just the minimum due.
- Mastercard® ID Theft Protection™: Get help detecting and resolving identity theft with 24/7 monitoring and expert support.
- Digital Wallet Compatible: Easily add your card to Apple Pay®, Google Pay™, or Samsung Pay® for fast, secure, contactless payments in-store, in-app, and online.
- Contactless Payments: Tap to pay quickly and securely with your contactless credit card at checkout, no swiping or inserting needed.
Terms and Conditions
Click Apply Now to see the terms and conditions.