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

246 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

denied Helpful to 1 out of 1 people

have 703 credit score with 4 main cards and it was my recommended card on Credit Karma.  wanted to do a BT to the card since my promo 18 month balance of $8000 is ending in a month or two.

got instant denial -___-

randomkoreandude's response was:    

  Apr 22, 2014

randomkoreandude(1, 1)

Review by randomkoreandude

1 Contributions 1 People Helped

BEWARE OF CITI!!!!!! Helpful to 4 out of 6 people

For any of you please be careful when applying to citi card no matter how good or bad that you think your credit is.  I have decent credit and applied to citi and was approved appon citi needing to identify a few more items of where I lived such as a utlity bill. So I chated with a rep on live chat to clarify why a utility bill was needed for a credit card approval. The live chat lady could not give me reason, and at one point even said everything was approved and gave me the amount approved for........and then all of a sudden she typed back "sorry I gave the wrong info to you and did not mean to sorry" and then disconnected us. I thought how odd. So I called to talk to a live rep to ask about the utility bill and why. I was transfered to three different reps and all said they have never heard of this, but when they finally transfered me to the applications department, they said it that they did need a utility bill. So I emailed my utility bill like a dummy to the only to find out that I was sending it to some boggues email which they used to hac information and use it to get my credit card number and spend $100 at the dollar store. To my knowledge when applying for anything you feel out the information that is asked only. I have never heard of a credit card company wanting a utlility bill for proof of where you live to get approved (I could be wrong). SO just putting it out there to be careful if you are asked this, especially if they ask you for that type of information through a email to not do it because it could be a hacker waiting to get the key piece he/she needed to use your credit for other things.

Apr 17, 2014
Rejected Helpful to 4 out of 4 people

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 7 out of 8 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, 7)

Review by jamba

1 Contributions 7 People Helped

Site says approved then denied Helpful to 8 out of 10 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, 8)

Review by superman9152002

1 Contributions 8 People Helped

See all 246 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.