Offered by: CitiBank
Apply by phone: 1-800-524-3166

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
727 Average Credit Score Approved for this Card
672 Lowest Credit Score Approved for this Card
Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
18 Months*   18 Months*  



11.99% – 21.99%*




11.99% – 21.99%*


Additional Details
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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 "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee


Late Fee

Up to $35

Cash Advance Fee

5% of each cash advance; $10 minimum

Balance Transfer Fee

3% of each balance transfer; $5 minimum

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees




Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance

  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: $0*
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Compare Holders of this Card
Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder
Sample Size: 9,211
Data Created: October 01, 2013

244 Cardholder 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 Recent Reviews


Applied for a card with a CK score of 750 and no late or missed payments ever. Was rejected and when i called they refused to take a look or reevaluate. Customer service was rude and unhelpful as well. 

Apr 11, 2014
What the f--k Helpful to 3 out of 4 people

I have a 780 FICO make 70k and have a hm paid just a 350 month HOA payment. DENIED!!!!!!  

jamba's response was:    

  Apr 09, 2014

jamba(1, 3)

Review by jamba

1 Contributions 3 People Helped

Site says approved then denied Helpful to 4 out of 6 people

After carefully getting my credit score up to 700 after filing bankruptcy 4 years ago with capital one I have 2 now up tp $5,000 so seen this offer that says approved and did the app and DENIED, so there goes a inquiry on my credit (was down to 1 finally) and no card to transfer. I have a 99 payment on time out of 99 and credit utilzation of less then 20% BEWEARE before hitting that APPROVED button.

superman9152002's response was:    

  Apr 09, 2014

superman9152002(1, 4)

Review by superman9152002

1 Contributions 4 People Helped

Pleased Helpful to 2 out of 3 people

My CK score is 754 and FICO 748. Annual income is around $56k and my current card utilization is 19%. I was approved for a credit line of $6,700, 18mo 0%, and 11.99% after that. My plan was to knock down my balance while I had the introductory 0% but 11.99% APR is far lower than my next lowest (Discover card @ 17.99%) APR so this will definitely be my main card in the future. Excited to try out all the perks that come with the card as well!

Apr 08, 2014
Still waiting on approval Helpful to 2 out of 4 people

Exp 738 EQ 722 TU 744 CK 660 (makes no sense). Income 130K+   I applied online a week ago and got the dreaded  "we need more time to process" message.  Unlike some here I was not given an option to chat or call.  I had to look up the number for applicaions, called, and after they were finally able to locate my application in the system, I was told that they mailed me something that I need to figure out so that they can verify my social security number; I am supposed to include a picture of my social security card....what foolishness!  They pulled my Experian a week ago.   I am not happy.  Good thing DiscoverIt approved me for 5k..  But I had to call them to follow of these days I will see an instant approval on the screen *sigh*

reformedCCholder's response was:    

  Apr 07, 2014

reformedCCholder(1, 2)

Review by reformedCCholder

1 Contributions 2 People Helped

See all 244 Reviews of Citi® Diamond Preferred® Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. These approval metrics are only guidelines and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.