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 12.24% - 22.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*
Annual Fee:
Purchase Intro APR:
(21 Months*)
Purchase Regular APR:
12.24% - 22.24%*
Balance Transfer Intro APR:
(21 Months*)
Balance Transfer Regular APR:
12.24% - 22.24%*

Details, Rates & Fees

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.

Cash Advance Rate 25.49%
Cash Advance Fee 5%, Min; $10
Late Fee Up to $35
Penalty APR Up to 29.99%
Balance Transfer Fee 3%, Min: $5
Foreign Transaction Fee 3%
Return Payment Fee Up to $35

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
Great card/ Great Company
by anlazzari
Helpful to 273 out of 305

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
Temperamental Bank
by BD1966
Helpful to 98 out of 100

This was my go to card first five years.  $25,000 credit limit, so I made a big purchase for $23,000 and paid it off by the next billing cycle. Citi sent me a notification saying they didn't like the way I was using my card, dropped my limit to $2,500 and sent me a Thankyou PREFERRED card.           Now some years later still have same card, that I don't care for and no credit increase. Called costumer service and ask why haven't I gotten an increase and was told I wasn't using my card enough for an increase. Then they hit me with a hard inquiry and increase refusal. TU 795 Equifax 802. Capital One $13,000 limit, AMEX $25,000 Discover $19,000. Never asked for increase on these cards. Just seemed to give them automatically.  What happened to Citi cards?

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 12.24% 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

† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.

‡ 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 April 2016 through September 2016. 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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