Citi® Diamond Preferred® Card

Card Details

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Or call to apply 877-836-4537


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4.2/5.0 from 2,412 Cardholder Reviews Over the Past 60 Days!

(2,412) Over the Past 60 Days!

  • Regular Purchase APR

    11.99%-21.99%* (Variable)

  • Intro Purchase APR

    0% for 21 Months*

  • Intro BT APR

    0% for 21 Months*

  • Annual Fees


  • Credit Needed




  • 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 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*

Card Fees

Late Payment Fees Up to $35

Foreign Transaction Fee 3%

Balance Transfer Fee 3%

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

Returned Payment Fee Up to $35

Penalty APR (percent) 29.99%

Minimum Interest Charge $0.50

Ongoing Information

Rewards Cap 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

Travel Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

  • 3.2/5


  • Top Offers

  • No Annual Fee

  • Balance Transfer

  • Low Interest

  • EMV Chip

  • Apple Pay

  • 660+

    Credit Score Needed

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 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 MaterCard, 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.

Consumer Reviews

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Overall Rating


2,412 Total Ratings

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Your Rating

+2406 users submitted a rating without a full review

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150 Found this review helpful

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By: | Sep 22, 2014

I was in need of a balance transfer. It does show in the review you need an excellent credit to get this card. Excellent credit should indicate, that balances lesser then $3000 one can pay off with cash. And why do you ever offer a person with credit lines above 10k- a card of 3k for their balance transfers? I could not take advantage of the offer simply because my card did not meet up the amount I was in need to cover! Assured by a rep that I can call and raise up the limit after I get the card, I commited to it. And transferred a part of the balance in question. They automatically added the transfer fee. I called right after I had the card in my hand: and NO! You need to have it for at least 6 months in order to raise up your credit!Well, I got stuck with a useless product. After taking my time (about 11 months) to pay the balance created by the transfer, I called to finally raise up the line. And NO! AGAIN!TWO , not one, reps forgot to let me know they would be checking my credit again in such case. But guess what, I was eligible for money transfer balance(heh). And I did know about it from my mail (I still have the letter with the offer of 0% till May 2014). Well, I did make the same mistake second time: I have trusted the uneducated, lacking knowledge Citibank employee. I just received my first bill with APR-it's October! Logically speaking: why would anyone having an offer fo 12 months free of APR commit to an offer of months free? Excellent credit might just indicate the person with it is not a complete idiot, would you say? I have spent 2 days on the phone with people hanging up on their customers and making empty promises. I am expecting more phone calls regardinng this matter, as I have requested investigation. I very much wish there were negative ratings possible, thank you citi

84 Found this review helpful

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By: | Sep 22, 2014

I paid off my Citi Preferred account two years ago when they raised my interest rate by 10+% though I had paid at least $150 over the minimum monthly payment for several years, and had never gone over my balance. After several years of receiving and ignoring balance transfer offers, in August I received a balance transfer offer with 0% interest on transfers and purchases until 01/2013, providings check that were valid until 10/20/2011 that could be used to transfer balances or to deposit in my checking account. I immediately transferred balances for two accounts and kept the checks for future use. On October 4, 2011 I called to determine if I needed any additional authorization to use the check as I had written a check to deposit into a checking account, and was advised that the offer was no longer available. There had been no communication, via mail, email, or even an alert on my online account as to this rescinding of their offer, and had I used the checks (that needed not additional authorization) the check would have bounced. Now I find out that a balance transfer check (for another account) that was validated by Citibank on 10/04/2011 and subsequently deposited into my checking account not one hour after validation, was not honored by Citibank on 10/05/2011. While the card itself is OK, and the customer service reps in this matter were patient, understanding and as helpful as they could be, please BEWARE OF CITI'S BALANCE TRANSFER OFFERS

104 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.

64 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 Comment

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!!

73 Found this review helpful

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By: | Sep 22, 2014

You cant do a balance transfer from another CITI card.

1 Found this review helpful

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By: | Jun 11, 2015

don't trust Citi group that thankyou points is fake>>>>>fake bank