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Citi® Diamond Preferred® Card

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Intro APR

0% for 18 Months*

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Intro BT

0% for 18 Months*

Expert Review:

Citi® Diamond Preferred® Card Credit Card

Rating
Overall Rating
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Introductory APR
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Benefits
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Fees
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Regular APR
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The Bottom Line

A great choice to save considerable interest expense on high interest credit card balances. Also, consumers can take advantage of making a sizable purchase, interest free, for almost 2 years.

The Good

An industry leading promotional period on purchases and transfers of up to 18 months.

The Not so Good

No official rewards program with points applied to purchases.

Citi® Diamond Preferred® Card

Features
Intro APR: 0% for 18 Months*
Regular APR: 11.99%-21.99% (Variable)*
Balance Transfer: 0% for 18 Months*
Annual Fee: $0*
Credit Needed: Good to Excellent

Highlights

  • Click "APPLY NOW" to apply online or call 800-517-4031
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 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® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item
  • 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*

Rates & Term Details

From the CompareCards.com Editorial Team:

For a potential Citi Diamond Preferred credit card holder looking for a low interest rate and lengthy promotional purchase and balance transfer periods, the Citi Diamond Preferred card could be the one. Citi is offering nearly two years 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 reward program offered with the Citi Diamond Preferred card, card holders can earn extra cash shopping online, receive low price protection on purchases for up to 60 days and be enrolled in automatic travel accident insurance. Citi Dimaond credit card holders also receive purchase protection against item theft, fire or accidental breakage of up to $1,000 for 90 days from purchase.  Lastly, Citi Private Pass enables users to get access into shows, games, restaurants and night clubs at no additional charge. The Citi Diamond Preferred credit card is a solid credit card choice for those with Excellent credit.

By

(Bay Area, California)

Date Posted

There is a fee to pay No Fee.

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

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.

I definitely would recommend this card to a friend.

60 out of 61 people found this review helpful.

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By

(Brookfield WI.)

Date Posted

Not All Balance Transfers

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

You cant do a balance transfer from another CITI card.

I definitely would recommend this card to a friend.

30 out of 40 people found this review helpful.

Was this review helpful? Yes   No  

By

(Jax, FL)

Date Posted

No Problems Here

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

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.

I definitely would recommend this card to a friend.

2 out of 2 people found this review helpful.

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By

(NC)

Date Posted

BEWARE OF CITI'S BALANCE TRANSFER OFFERS

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      
Review:

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

I definitely would recommend this card to a friend.

3 out of 3 people found this review helpful.

Was this review helpful? Yes   No  

By

(ALABAMA)

Date Posted

Excellent

Rating
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Detailed Ratings
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Introductory APR (Purchases and Transfers)      
Benefits (Reward program,service discounts, theft protection)      
Fees (Balance transfers, annual fee, cash advances)      
Standard APR      
Customer Service      

I definitely would recommend this card to a friend.

23 out of 29 people found this review helpful.

Was this review helpful? Yes   No  

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