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Offered by: CitiBank
Apply by phone: 1-888-245-9657

Citi® Diamond Preferred® Card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 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.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
736
Typical Low: 670
Typical High: 805
21 Months*   21 Months*  

0%*

11.99% – 21.99%*

0%*

11.99% – 21.99%*

 

Variable

 

Variable

Additional Details

Click here for 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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate

25.24%

Annual Fee

$0*

Late Fee

Up to $35

Cash Advance Fee

5%, Min; $10

Balance Transfer Fee

3%, Min: $5

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost

‑$527

$0

$0

Interest Savings on Transferred Balance

$4,051

$3,138

$1,426

Interest Savings on New Purchases

$1,676

$3,463

$4,930

Value of Rewards on New Purchases

$0

$0

$0

Value of Bonus Points

$0

$0

$0

Annual & Application Fees

$0

$0

$0

 

Savings

Total Annual Savings

$5,200

$6,601

$6,355

Total Savings over 3 Years

$18,157

Credit Card Usage Profile

Transfer a Balance
Edit
  • 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.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders by ...

Credit Score
Credit Limit
Current Balance
Credit Limit Utilized
60+ Days Past Due Status
Age of Cardholder

Sample Size: 12,188
Data Created: February 02, 2015



338 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

Its a good looking card.

This is my backup card where the discover it card is my favorite. It has a low apr but it is nothing compared to the 10.99 on the discover. If you need a card the incentive program is ok but not great. It seems as if most of the rewards are geared towards people who spend LOTS of money and not someone who really need the rewards or this card in the first place. Get it, its a very good card.

kwang2009's response was:    

 
May 16, 2015

kwang2009(1, 0)

Terrible Process

I've never written a bad review in my life, but I can't be quiet about this experience.  I applied for this card about six weeks ago because I was lured by their 21 month 0 percent balance transfer offer.  My FICO score at the time was 805, credit utilization under 10% on over 120k available credit, 9 year job at 135k per year with 30% income ratio, homeowner, spotless credit history with about 4 inquires in the past two years, 2 because of an apartment I rented for my son in January.  Amex CL 20k, Chase explorer 18k, WFB 15k, Barclay 15k, no low credit lines.  Citi Diamond gave me a paltry 3,000 CL at 11.9%.  I called to request a review, as with a 3,000 CL the card was useless to me.  I wanted to transfer about 3,000 for airplanes tickets I had bought with a PayPal account and promotional period was about to expire.  Since I never go over 30% utilization on any card, I needed a CL of about 12k to effect the purpose of getting this card.  After I applied online I called Citi to discuss the CL, and I was told to call when I received the card.  I called after I received the card and after explaining myself a number of times to Citi employees, I continued to be told that a CL increase required them to pull a new credit report.  I kept telling them that I had just applied for the card, and I hadn't even activated the card, and I was just trying to discuss the CL on this new card, but they refused to transfer me to a credit analyst unless I authorized a new credit inquiry.  I did not authorize a new credit inquiry, so I never got to speak with a credit analyst.  Terrible, terrible process.  I cancelled the account without ever using it after that frustrating two day experience.  Had I known the 21 month offer was just a cheap shot at trying to get people to apply I wouldn't have done it and end up with a useless card and a hard inquiry.  I did apply later on for a chase Slate, and I received a 10k CL at 12.9%, so I was able to transfer my balance at 0 percent for 15 months.  I will never apply for another Citi card again.

Tamalitos's response was:    

 
May 14, 2015

Tamalitos(1, 0)

Great card Helpful to 3 out of 4 people

I applied for this card today May  13 , 2015 and was approved for 12k and my Equifax score was 727 of which was 30 points lower than what Credit Karma had it at 

westside0097's response was:    

 
May 14, 2015

westside0097(10, 5)

Top Contributor

I applied for this card today May  13 , 2015 and was approved for 12k and my Equifax score was 727 of which was 30 points lower than what Credit Karma had it at .

westside0097's response was:    

 
May 14, 2015

westside0097(10, 5)

Top Contributor

I applied for this card today May  13 , 2015 and was approved for 12k and my Equifax score was 727 of which was 30 points lower than what Credit Karma had it at 

westside0097's response was:    

 
May 14, 2015

westside0097(10, 5)

Top Contributor

See all 338 Reviews of Citi® Diamond Preferred® Card

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ 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 November 2014 through April 2015. 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.