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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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Excellent Credit Recommended (740-850) ? 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.
Learn More The information for the Citi® Diamond Preferred® Card has been collected independently by Creditcards.com and has not been reviewed or provided by the card issuer.
Excellent Credit Recommended (740-850) ? 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.
Learn More The information for the Citi® Diamond Preferred® Card has been collected independently by Creditcards.com and has not been reviewed or provided by the card issuer.
Balance Transfers Intro APR
0% for 21 months on Balance Transfers
Purchases Intro APR
0% for 12 months on Purchases
Regular APR
13.74% - 23.74% (Variable)
Annual Fee
$0

Great for:

A 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 excellent credit. While you should do your best to pay off your balance in full by the end of the promotional 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 from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi Entertainment℠, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer

Staff Review

 

Editor's Rating:

3.4-star review

3.4 out of 5

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

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.