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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card


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Your Rating:

4.2/5.0 from 1,070 Offer Ratings
Over the Past 60 Days!

(1,070) Over the Past 60 Days!

  • Regular Purchase APR 12.24% - 22.24%* (Variable)
  • Intro Purchase APR 0% for 21 Months*
  • Intro BT APR 0% for 21 Months*
  • Annual Fees $0*
  • Credit Needed


  • Card Brand MasterCard

Card Details


  • Click "APPLY NOW" to apply online or call 877-836-4537
  • 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*

Card Fees

Late Payment Fees Up to $35

Foreign Transaction Fee 3% of each purchase transaction in US dollars

Balance Transfer Fee Either $5 or 3%, whichever is greater

Cash Advance Fee $10 or 5%, whichever is greater

Returned Payment Fee Up to $35

Penalty APR Up to 29.99%, based on your credit­worthiness

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap Non-rewards card

Rewards Rate Non-rewards card

Annual Fee $0*

Grace Period 23 Days

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the Editorial Team

For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi Diamond Preferred, from our partner Citi, card could be a great choice for you. Citi is offering 21 months 0% APR on purchases and balance transfers along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi Diamond Preferred card also offers a multitude of card holder perks.

While there isn’t a set rewards program offered with the Citi Diamond Preferred MasterCard, card holders can earn extra cash by shopping online through Citi Easy Deals. Cardholders will also enjoy some entertainment perks, such as special access to ticket presales, preferred seating, VIP packages, and unique experiences through Citi Private Pass.

Additional perks include price protection on purchases for up to 60 days, automatic travel accident insurance, personal concierge service, car rental insurance, $0 liability on unauthorized purchases, and purchase protection against theft, fire or accidental breakage for up to $1,000 (valid 90 days from purchase date). The Citi Diamond Preferred credit card is a solid credit card choice for those with excellent credit looking for 0% intro rate.

Expert Reviews of the Citi® Diamond Preferred® Card

  • 4.5

    Regular APR

  • 5.0

    Intro APR

  • 5.0


  • 3.5


  • star rating 5.0/5

    Overall Rating

The Bottom Line

This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.

The Good

This card offers an industry leading promotional period on both purchases and balance transfers of 0% for a lengthy 21 months.

The Not so Good

If you are interested in cash back or rewards, this card isn't for you.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating


1,070 Total Ratings

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Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+1060 users submitted a rating without a full review

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4 Found this review helpful

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By: | Sep 24, 2016

I like everything about this card especially 0% for 21 moths and no annual fee

2 Found this review helpful

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By: | Sep 17, 2016

Love love love this card. It is just amazing, the customer service is just outstanding,, they go above and beyond to meet my needs and to answer my questions, I am so happy I was approved and I now belong to the cool club! Thank you so much for giving me a chance to better myself and for all you hard work that you do to provide excellent customer service, keep up the good work!

9 Found this review helpful

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By: | Sep 6, 2016

I've had my MasterCard for a couple years now and I use it for everything from paying bills to grocery shopping and everything in between. The fraud prevention has come through for me on more than one occasion, with phone calls to verify suspicious activity on my account. I have had my card number compromised and the charges were intercepted quickly so that I did not have to pay any of the charges and wait for any chargebacks. If you are looking for first class customer service, a card with a low fee and monthly rewards for using your card, this is the one for you.

8 Found this review helpful

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By: | Aug 31, 2016

I wasn't interested in the transfer rate/ low interest as i had no debt to transfer....but, I wanted to do some 5 star landscaping and remodeling. Getting this card was like getting a 21 month 0% interest w/ no fees. Doesn't get any better than that. House looks great, balance is paid off at no extra interest cost to me. Win, win !!!

26 Found this review helpful

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By: | Jun 11, 2016

Almost two years of no intetest Awesome baby

21 Found this review helpful

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By: | Jun 1, 2016

I rent cars quite often so the rental insurance means a lot to me. It's a great card

249 Found this review helpful

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By: | Jul 20, 2015

Be careful about applying. They naturally check your rating and even if your credit rating is excellent (in the 850's) they will give you, in my opinion a low line of credit. And they don't say anywhere in their advertising that they will charge you 3% on balance transfers. Once they check your rating they will issue you the card even if you tell them you don' want the credit card.

3 Replies

By: Leslie Ayres | Apr 27, 2016

They do let you know the 3% fee in the ad I am looking at in fact that was exactly what I was looking for how much of a fee and had no problem finding that info. It was right up front.

By: Shea Yoon Baker | May 7, 2016

I agree with Leslie's comment. I originally applied for the Diamond Preferred card when I was in college and I found Citi to be up front and transparent. I was given an $8,000.00 credit limit even though I only worked part time. They also clearly stated that the balance transfer fee was 3% of the amount transferred. Lucky for me, when I applied, there was a $300.00 reward for new spending on the card in the first 3 months. I was able to transfer $6,000.00 onto this card, add $1,000.00 in new spending, and thus earn the $300.00 bonus. I was able to pay off all of my debt before the 0% APR expired and thus I avoided any interest payment AND actually came out ahead given the bonus! This card was a lifesaver for me and the customer service from Citi ever since has been amazing. This is a great card for those looking to transfer a balance; hands down the best from the several I've had.

By: Debbie Metrick | May 23, 2016

The 3% charge on balance transfers is right there in the card description!

162 Found this review helpful

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By: | Sep 22, 2014

I have had this card at 0% on purchases for about a year now and have never had any issues. There is a cash rewards componenet to the card that I have to learn more about. I have always paid on time and have kept a few thousand dollars available on the limit (I don't spend to the limit). I like the website and its features. It makes it very easy to make a payment online from my checking account at my credit union. I have had no problems with this card or their customer service.

1 Reply

By: Patti Nowak | May 22, 2015

Lucky You as I have excellent credit and never got that kind of deal so I got Bank of America and love it!!

165 Found this review helpful

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By: | Sep 22, 2014

You cant do a balance transfer from another CITI card.

1 Reply

By: Bonnie Ortega | Apr 22, 2016

I was going to do,,just,that,,,lower my apr. I already have, city simplicity

294 Found this review helpful

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By: | Sep 22, 2014

There is a fee of 3% of the amount transferred - So if you transfer, say , $17k, that's $500 just to transfer. This is a one time fee, BUT!!! you'll stand to save $2500 or more depending on what you are currently paying on your original credit card over a period of 18 months. It's just something you don't want to hear about as it's happening - good to know up front/ahead of time, since $500 is not chump change for any of us. So I had to say something here so people are prepared for that. There IS A FEE. Other than that, the math shows that yes - you can save a considerable amount in the long run depending on your situation.

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