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Citi® Diamond Preferred® Credit Card

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(2.8) Rating
Citi® Diamond Preferred® Credit Card image Citi® Diamond Preferred® Credit Card image
Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Citi® Diamond Preferred® Credit Card

Best for those looking for the longest duration Intro 0% purchase APR on and 0% Balance Transfer offers on the market

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(2.8) Our Review
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Your Best Credit Cards has partnered with CardRatings for our coverage of credit card products. Your Best Credit Cards and CardRatings may receive a commission from card issuers. Some or all of the card offers that appear on Your Best Credit Cards are from advertisers and may impact how and where card products appear on the site. Your Best Credit Cards does not include all card companies or all available card offers. Commissions do not affect or prioritize placement within our Card Explorer results and not all cards displayed earn us a commission. The editorial content on this page is not provided by any of the companies mentioned, and have not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are the author’s alone.

* Suggested credit score ranges are supplied by QuinStreet, not from the issuers, and are guidelines, not a guarantee of approval.

Citi® Diamond Preferred® Credit Card

Best for those looking for the longest duration Intro 0% purchase APR on and 0% Balance Transfer offers on the market

Not Currently Available at Your Best Credit Cards

This card is not currently available on Your Best Credit Cards. Please use our Card Explorer to find similar cards.

All information about Citi® Diamond Preferred® Credit Card has been collected independently by Your Best Credit Cards. Citi® Diamond Preferred® Credit Card is no longer available through Your Best Credit Cards.

Key facts

The Citi® Diamond Preferred® credit card isn’t about travel rewards. It’s designed for those that want to take advantage of its long Introductory Purchase and  Balance Transfer offers, as shown in the boxes directly below.

In fact, it does not earn any rewards points or cash back.

Annual Fee:

$0

AVG Point Value:

$0.01 (Learn More)

Min. Credit Score for Approval:

670-739 * Good

APR on Purchases:

0 % Intro APR on purchases for 12 months, 18.24%-28.99% thereafter

APR on Balance Transfers:

0% Intro APR on balance transfers for 21 months, 18.24%-28.99% thereafter

Balance transfer fees

Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

Foreign Transaction Fee:

3%

Reward multipliers

This card does not offer any bonus categories as it does not offer any kind of rebate on spend. There are no points or cash back earned.

Earns bonus points for spend in the following bonus categories:

0x
Everything Else

Estimated Rewards Value: 0%

Key features

1

0% Intro APR on Purchases

0 % Intro APR on purchases for 12 months, 18.24%-28.99% thereafter

2

0% Intro APR on Balance Transfers

0% Intro APR on balance transfers for 21 months, 18.24%-28.99% thereafter

Balance Transfer Fees: Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.

3

Free Access to Credit Score

Get free access to your FICO® score.

Pros & cons

  • Intro APR offer on purchases
  • Intro APR offer on balance transfers
  • No annual fee
  • No rewards are earned for spend
  • Few card benefits beyond the 0% Intro APR offers
  • 3% foreign transaction fee

Our review

This card does not have a rewards program or offer cash back, so you won’t earn rewards for spend. Rewards credit cards tend to carry high APRs and are suitable for those that do not carry a balance.

The Diamond Preferred card is all about the Introductory Purchase and Balance Transfer offers and ideal for those that already have credit card debt.

You can use this offer to help get your debt under control and think about rewards and cash back cards later – once you are debt free and won’t need to carry a balance. Be sure to read all rates, fees, and disclosures before you apply.

It also offers Citi “My Deals” both on the Citi Mobile App and Citi Online. My Deals provides easy access to national and local coupons across categories such as dining, shopping, and entertainment. Offers depend on your geographic location.

citi-diamond-preferred-credit-card

You’ll also have access to discounted gift cards select brands and a daily gift card deal.

Frequently asked questions

1

Does the Citi® Diamond Preferred® Credit Card have an annual fee?

No.

2

Is it hard to get the Citi® Diamond Preferred® Credit Card?

Citi will likely want to see a Good FICO credit score of 670 or higher.

3

Is it worth getting the Citi® Diamond Preferred® Credit Card?

If you need a 0% Intro APR offer for balance transfers or new purchases, yes. Otherwise, a better card may be available using our Famous Card Explorer.

4

How do I earn points / cash with the Citi® Diamond Preferred® Card?

The Citi® Diamond Preferred® Credit Card does not earn any cash back or rewards.

5

Does the Citi® Diamond Preferred® Card charge foreign transaction fees?

Yes, 3%.

6

Does the Citi® Diamond Preferred® Card have car rental coverage?

No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.

7

Does the Citi® Diamond Preferred® Card offer extended warranty?

No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.

8

Does the Citi® Diamond Preferred® Card offer purchase protection?

No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.

9

Does the Citi® Diamond Preferred® Card offer trip protections?

No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.

10

What credit score do I need to get a Citi® Diamond Preferred® Credit Card?

A 670 FICO or higher is recommended to apply.

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