The 21 months 0% APR is what sold me on this card and after a 3 minute application process was approved with a 5.5k credit limit with a average credit score. I will be using that 0% APR to pay off other high APR credit cards.
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Citi® Diamond Preferred® Card Reviews
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
Card Details
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 13.49% - 23.49%* Variable
- Annual Fee $0*
- Purchase Intro APR 0% for 21 Months
- Purchase Regular APR 13.49% - 23.49%* Variable
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 13.49% 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.
Most Helpful Positive Review
Most Helpful Negative Review
Waste of Time
I should have followed the advice of other reviewers here and not have applied. Unfortunately, I've already submitted my application and instantly regret it. The Balance Transfer offer is what really sucked me in. I simply could not resist 21 months of a potential interest-free balance. My goal was to possibly transfer the balance from my Chase Freedom of roughly $6k to this new card.
I submitted an online application after noticing my "Very Good" approval odds on CK. TU 700/EQ 707. I do have open cards in good standing with most of them at a zero balance (or close to it) with the exception of the one noted above. The application came back approved with a CL $900. Are you kidding me? How am I supposed to maximize the benefits of this card, specifically the balance transfer offer, with a CL of $900?!
I may not have perfect credit, but I'd like to think I'm worthy of a limit that's substantially higher than $900. Other banks seem to think so, as I do have limits of up to $16k.
I do not understand the thought process behind the credit limit assignments. I thought of reaching out to a representative over the phone for further consideration, but it's not worth my time or the additional credit check. Plus, I highly doubt the process would jump me from a $900 CL to anything close to what I was looking for. Additionally, based on comments from other reviewers, it looks like I should avoid any interaction with their customer service. CK family, I hear you now after a tough lesson learned.
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These reviews were written by current and former cardholders in the last year.
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Sample Size: 12,188
Data Created: February 02, 2015
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Quick Approval with Good CL
Had score of 738 and 17% credit usage and was approved for 13,000 limit. Transferred $7600 with scheduled payments for 21 months. Helped cash flow!
Fast Approval
Awesome Card and Excelente Benefice. Fast Aproval and limit Credit is $6,700.00 with Fair Credit. I'm Very Happy for this Card.
Awesome, outstanding, Excellent
I see all the negative reviews and I notice one thing they all got low CL limits and high balances they are trying to transfer. I had a Capital one card. Not that great but used it to build my credit. Then I got the offer from Citibank and applied. I was approved with a limit almost double my CO card. So if you're smart with your credit usage you can't go wrong with this card!
Balance transfers seem sketchy at best, unless you have a 740+ FICO score and about 100k in credit lines that you maintain 10% or under utilization rate with. I view this card as more of a "big purchase, slow pay-down" thing. Buying that $1300 flat screen 4k HD TV? Ok...finance it with this card and you're good for almost 2 years!
Balance transfer was a breeze. And trust me I don't have anywhere near 100k in credit line. The 21 months no interest was just icing on the cake.
They keep extending me pre-qual snail mail with an 18 month 0% offer. I laugh and chuck it in the bin.
Fast approval
Credit score of 809 and 10% balance on available credit. Took advantage of 0% interest for 21 months transferring $3,000 and receiving a credit limit of $5800. Fast and easy application process no complaints yet.
Pleased with app process, so far so good
RE: Citi Diamond Preferred Card The application process took less than 5 minutes. My scores are about 703 & 708. The 21 months is what I focused on as most give you 0% for 12 months. I wanted to pay off about $2700, was approved in less than 2 minutes with a $3000 limit, and a decent APR I can live with. I saw, and read many, negative reviews. Most pertained to a CL much lower than they need. I knew all my numbers and take every chance to be familiar with all info on my reports.So far so good. I even called CC Customer Service and asked a number of unimportant questions pertaining to my Approval Status, etc, just to get a feel for their CS. Very sweet, and knowledgeable Rep answered all questions. Everybody's experience differs, and my initial impression could very well plummet at any time.
Thanks for reading :)
Horrible customer service
The customer service reps are watching out for Citi, not their customers. I've called many times and once got a decent human being on the phone who genuinely seemed like she was trying to help, but after speaking to her manager while I was on hold she said there was nothing she could do.
perfect card to get yourback in shap
what a great card to pay off high interest accounts. works great if you stick to your agenda
Garbage
Horrible card zero benefit, if you forget a payment they send to collection agency even though theres a 2 year 0 APR.
Excellent service
I don't have any complaints, so far it is the best card I've ever have. I highly recommend it.
Crooks
I have this card and I paid 4% to get 18 months at zero interest and after three months they started to charge me interest. Stay away !!!!