Citi® Diamond Preferred® Card

Apply by phone 1-888-245-9657
  • 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*
Annual Fee
Purchase Intro APR
Purchase Regular APR
Balance Transfer Intro APR
Balance Transfer Regular APR
21 Months*
21 Months*
$0*
0%*
11.99% – 21.99%*
0%*
11.99% – 21.99%*
Variable
Variable
Annual Fee
Purchase Intro APR
21 Months*
$0*
0%*
Purchase
Regular APR
Balance
Transfer
Intro APR
Balance
Transfer
Regular APR
21 Months*
11.99% – 21.99%*
0%*
11.99% – 21.99%*
Variable
Variable

Offer 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 the provider's website.

Cash Advance Rate 25.24%
Cash Advance Fee 5%, Min; $10
Late Fee Up to $35
Balance Transfer Fee 3%, Min: $5

Savings

Savings over 1 year $469
Savings over 3 years $1,324

Transaction Type Value

Savings Details

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.

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
anlazzari
Great card/ Great Company
by anlazzari
Helpful to 143 out of 159

I opened my account almost 1 yr ago with a $2000 credit limit. My Fico was 650 and I have a bankrupcy that is 8 yrs old. I transfed several balances to this card an just paid it off this week. After paying it off I asked for a credit line increase and was granted a $3000 CLI to bring my total CL to 5k. Now my Fico is 706. 

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
Cust Serv and Paymnet
by Anonymous
Helpful to 27 out of 28

We paid our card off in full before due date and had a 0 balance - Citibank now wants interest payment which has been increased to $100.  In trying to resolve this (the third call), I was told by the customer service rep that he could not help me and that heI could not be transferred to a supervisor and the individual then hung up on me.  I've never seen this with the other cards I use.  

The one star rating is only because there's no option for lower.  I recommend no-one get a Citi Diamond card as customer service is horrendous, the worst I've ever experienced in any business.  

 


Our Take

With low interest rates and attractive perks, the Citi® Diamond Preferred® Card is a good all-around choice for consumers with good to excellent credit.

What to Like

The Citi® Diamond Preferred® Card offers a 0% intro APR on both purchases and balance transfers for 21 months, and resets to an interest rate as low as 11.99% afterward. The card also offers 24/7 access to concierge services, which is a pretty nice perk.

Look Out For

There are a lot of perks attached to this card, but a rewards or cash back program isn’t one of them. Keep in mind, too, though that this card has a high penalty APR, meaning one late payment could result in higher interest rates indefinitely.

Similar Offers

Citi® Diamond Preferred® Card

Balance Transfer Intro APR Purchase Intro APR Regular APR

21 Months*

21 Months*

0%*

0%*

11.99% – 21.99%*

Variable

† These Approval Odds represent Credit Karma's estimation of how likely you are to be approved for a product based on a comparison of your profile with data about Credit Karma members who have been approved for the product in the past (if available). There is no guarantee that you will be approved by the lender or that credit will be extended to 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 October 2014 through March 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.

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