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Offered by: CitiBank

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.
  • $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
Typical Low: 680
Typical High: 807
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 "Apply Now" 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%, Min; $10

Balance Transfer Fee

3%, Min: $5

Saving Details

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.

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

326 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

Not recommend to apply Helpful to 1 out of 2 people

I submitted an application because creditKarma said my odds were "very good" well guess what they declined me and my score its 726 so if you have this score or less don't recommend you to apply. You're just going to add to your credit an additional hard inquiry. 

Arizbeth1's response was:    

Mar 01, 2015

Arizbeth1(1, 1)

Interest charged 2 months later?!?!

Applying was easy enough and approval was right away.  My credit at the time was very good, so I got approved instantly with a $3K CL.

Their reward points are pretty much useless since you can only use them to get small discounts on stuff they have through their own website.  

I paid my balance in full on February 16th 2015, but on my February 25th, 2015 statement, I was surprised to find that they charged me interest.  They say that just because I paid in full this month, it doesn't matter because I have to pay in full for 2 consecutive months to not be charged. They apparently charge delayed interest fees. This is the chat I had with their Rep:

  • Citibank: I've reviewed your account and I see that for the statement generated on 01/26/2015 we have received the payment in full for $ 1,454.59.
  • Citibank: However for the statement generated on 12/24/2014 had the balance of $ 1,017.33 and we have received the payment for $ 70.00. So the interest was charged on the remaining balance and was carried forwarded to the next billing cycle.
  • Citibank: When you don’t pay in full each month, even if you have in the past, finance charges are calculated daily but only added to the actual balance total when we print your statement. 
  • Citibank: What you saw on your last month statement was the finance charges that were accumulated up until the statement printed.
  • Citibank: What you are seeing on this statement is what accumulated from that date (02/25/2015) until the payment in full was received on  (02/16/2015).
  • Citibank: To avoid interest on your account you need to make payment for statement balance in full for 2 consecutive month by the due date.

This is the lamest thing I've ever heard.  I have lots of credit cards and none of them ever charged me a penny in interest if I pay my statement balance in full. I will not ever use this card again and I won't be referring anyone to you either. So goodbye Citibank.  

tianajlai's response was:    

Feb 28, 2015

tianajlai(2, 12)

Good card

Excellent card. I got approved with $2,6000 CL, it's not too much that I expected but that's ok. 

KeroKero37's response was:    

Feb 26, 2015

KeroKero37(6, 30)

Excellent!!!! Helpful to 0 out of 3 people

A lot of benefits. I just got approved and I'm in love. Use with responsability!

KeroKero37's response was:    

Feb 24, 2015

KeroKero37(6, 30)

Early ticket purchases! Helpful to 7 out of 13 people

That is the only reason I got this card and the only reason I use this card.  As a concert goer, being able to purchase tickets 3 days before the "genereal public" makes this card worth having.  Sits in my drawer until I need to the numbers for a show.

Feb 18, 2015

See all 326 Reviews of Citi® Diamond Preferred® Card

† 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 September 2014 through February 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.