Credit score needed for the Citi Diamond Preferred Card

What score do you need for this balance transfer card from Citi?


You’ll likely need at least a good credit score for the Citi Diamond Preferred.

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The Citi® Diamond Preferred® Card is a great option for paying off debt, and it comes with no annual fee. With a 21-month 0% introductory APR offer on balance transfers (after that, regular APR of 14.49% to 24.49% variable), it’s one of the best balance transfer cards on the market.

If you want to pay down your credit card debt with the Citi Diamond Preferred Card, you’ll first need to apply. Before you apply, you should know whether you have a chance of getting approved. Read on to learn about the credit score and other factors you’ll most likely need in order to qualify for the Citi Diamond Preferred card.

What credit score do I need to get the Citi Diamond Preferred card?

The Citi Diamond Preferred Card is for consumers with a FICO credit score in the good to excellent range. In other words, you will need a score from 670 to 850.

While it is possible to be approved with a good credit score (670 to 739), this will also affect what your regular APR will be after the 0% promotional period. If you are concerned at all about the higher APR rates, you should consider working on your credit score before applying.

An excellent credit score will make it easier to qualify for the card and get an APR on the lower end of the card’s range.

How can I improve my score to get this card?

Understanding how your credit score is calculated makes it easier to improve it. Your credit score is calculated based on five factors: payment history, credit utilization, length of credit history, new credit lines and credit mix. Each impacts a different percentage of your overall credit score, making it easy to prioritize what needs the most improvement.

The largest impact on your credit score is payment history. In fact, it makes up 35% of your total score. Making consistent, on-time payments for all your loans and credit cards is the best way to improve your credit score. If a payment is 30 days or more past the due date, it can substantially lower your score. Consistency is key here, too, because you need a long-term history of on-time payments to build and sustain a good credit score.

Amounts owed contribute 30% of your credit score, making it the second most important factor behind payment history. Keeping your credit utilization ratio low demonstrates good credit management to lenders and will improve your score. You can calculate your credit utilization ratio by dividing your current balances by your overall credit limit. It is often suggested to keep revolving utilization below 30%, but as low as possible is best. Paying down balances can substantially increase your credit score, especially if you have a lot of debt.

Having longer credit history, diversifying types of credit accounts and avoiding applying for or opening multiple new accounts in a short time period – all aid in improving your score, as well. If you’re starting with a bad credit score, it will likely take some work and patience to get a score that will land you the Citi Diamond Preferred. But if you already have a fair or good score, a little attention to your credit habits could boost you to a good to excellent score before you know it.

What can I do if Citi declines my application?

If your Citi Diamond Preferred card application is denied, you have a few options.

If denied, you can ask why your application was declined. The lender is required to provide this information, and it will give you insight into what you should do next. While your credit score is one component of a card application, lenders take into account other factors. For example, you could be denied because you accidentally submitted incorrect information on the application or your income level is low and the issuer is not confident you would be able to make your monthly payments.

If nothing is amiss on your application, you can also check your credit report. If your credit report contains errors, you can open a dispute to fix them.

If you still don’t currently qualify for the Citi Diamond Preferred card, Citi has other card options that could be better suited to your needs. If you want a card with an introductory period on balance transfers but are also interested in getting cash back, the Citi® Double Cash Card may be for you. This card is a solid flat-rate cash back card, offering up to 2% cash back (1% when you charge purchases and an additional 1% as you make payments for those purchases), with an 18-month 0% intro APR on balance transfers (followed by 14.74% to 24.74% variable APR).

Before applying or reapplying for a card, take the time to review your credit score and work on improving it, if it’s not where you need it to be.

Final thoughts

The Citi Diamond Preferred Card is a great card for someone looking to pay down debt. The 21-month introductory APR period for balance transfers (followed by its regular APR of 14.49% to 24.49% variable) makes it one of the longest introductory periods on the market.

To be approved for this card, you will need a FICO score in the good to excellent range. If you’re not there yet, a simple first step is to consistently make on-time payments on existing cards and loans to help build your score.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

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