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.
ADDITIONAL RATINGS YOU MIGHT FIND HELPFUL
- Balance Transfer Intro APR 0% for 21 Months
- Balance Transfer Regular APR 12.24% - 22.24%* Variable
- Annual Fee $0
- Purchase Intro APR 0% for 21 Months
- Purchase Regular APR 12.24% - 22.24%* Variable
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.
Most Helpful Positive Review
Most Helpful Negative Review
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?
Compare Holders of this Card
Sample Size: 12,188
Data Created: February 02, 2015
Note: Sample data consists of Credit Karma members who hold this card.
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.
See Your Approval Odds Before You Apply
Sign up for a free membership, and Credit Karma can estimate your chances of approval based on your credit profile. You’ll also get:
- Credit scores and reports
- Credit monitoring
- Personalized recommendations
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.
† 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 and typical low score to the 5th 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 June 2014 through November 2014. 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.