Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply now at Citi's secure site
Credit Cards»Citi Credit Cards»Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card
See Rates & Fees

Citi is an advertising partner

Our rating:3.9 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

Good to Excellent

Credit Recommended

CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
Apply now at Citi's secure site
Balance Transfers Intro APR
0% for 21 months on Balance Transfers
Purchases Intro APR
0% for 12 months on Purchases
Regular APR
16.49% - 27.24% (Variable)
Annual Fee
$0

Great for:

A relatively low ongoing APR. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have good to excellent credit. While you should do your best to pay off your balance in full by the end of the introductory period, this feature helps make it one of our picks for the best balance transfer credit card.

Highlights

  • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
  • Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
  • Get free access to your FICO® Score online.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Excellent Credit
    Excellent Credit
  • Good Credit
    Good Credit
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee

Staff Review

Editor's Rating:

3.9 out of 5

Our take: Thanks to its long introductory offer on balance transfers, the Citi Diamond Preferred Card is a solid option if you need to pay down debt. Just be sure to factor in the card’s high balance transfer fee when weighing options. See Rates and Fees

Read full review

All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.