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:
$0Min. Credit Score for Approval:
670-739 * GoodAPR on Purchases:
0 % Intro APR on purchases for 12 months, 18.24%-28.99% thereafterAPR on Balance Transfers:
0% Intro APR on balance transfers for 21 months, 18.24%-28.99% thereafterBalance 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:
Estimated Rewards Value: 0%
Key features
0% Intro APR on Purchases
0 % Intro APR on purchases for 12 months, 18.24%-28.99% thereafter
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.
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.
You’ll also have access to discounted gift cards select brands and a daily gift card deal.
Frequently asked questions
Does the Citi® Diamond Preferred® Credit Card have an annual fee?
No.
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.
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.
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.
Does the Citi® Diamond Preferred® Card charge foreign transaction fees?
Yes, 3%.
Does the Citi® Diamond Preferred® Card have car rental coverage?
No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.
Does the Citi® Diamond Preferred® Card offer extended warranty?
No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.
Does the Citi® Diamond Preferred® Card offer purchase protection?
No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.
Does the Citi® Diamond Preferred® Card offer trip protections?
No, that is not a benefit of the Citi® Diamond Preferred® Credit Card.
What credit score do I need to get a Citi® Diamond Preferred® Credit Card?
A 670 FICO or higher is recommended to apply.
