Citi® Diamond Preferred® Card

Apply by phone: 1-888-245-9657
  • 0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.24% - 24.24%, based on your creditworthiness*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*
Annual Fee:
$0*
Purchase Intro APR:
0%*
(12 Months*)
Purchase Regular APR:
14.24% - 24.24%*
Variable
Balance Transfer Intro APR:
0%*
(21 Months*)
Balance Transfer Regular APR:
14.24% - 24.24%*
Variable

Details, Rates & Fees

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* See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the 'Apply Now' button, you can review the credit card terms and conditions on the provider's website.

Cash Advance Rate 26.49%* Variable
Cash Advance Fee 5%, Min; $10
Late Fee Up to $35
Penalty APR Up to 29.99%* Variable
Balance Transfer Fee 3%; Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

Cardholders' Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Positive Review
tby2000
Good long term 0% offer for 21 months
by tby2000
Helpful to 79 out of 81

My credit score is in the high 730s/low 740s and I have a 19% credit utilization rate.  Instantly approved for $10,100 credit limit.

 

I also have (and have had for several years) the Citi double chase back card which I pay off every month ($5,000 limit there) so that may have helped with the higher credit limit.

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.
Most Helpful Negative Review
Anonymous
Read the reviews!!
by Anonymous
Helpful to 45 out of 45

I should have listened to the reviews!! Planned on transferring a couple small balances over for the 0% APR, only got approved for $900 with a 754 score and $85K annual income. Totally useless card for me now. Cost me a credit inquiry for nothing. Beware and listen to the reviews like I should've done!!


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† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from July 2017 through December 2017. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.

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