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Introducing

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

DollarGeek Rating:

(4.5/5)
Apply Now
on Citibank's website
All details on the Citibank Reserve® has been collected by DollarGeek to help consumers better compare credit cards. The financial institution did not provide the details. The information may change and is not guaranteed.

Fees & APRs

Fees and APRs will vary, always be sure to check with the card issuer.

Annual Fee $0 per year
Balance Transfer Fee 3% (min $5)
Purchase Intro APR 0% 18 months
Transfer Intro APR 0% 18 months
Regular APR 13.74% - 23.74%

Geeky Insight

Read through our extensive research on the Citi® Diamond Preferred® Card and see if its the best credit card for you.

  • Intro rates of 0%: This card offers cardholders 0% for 12 months on new purchases and it will also give you 0% for 21 months on balance transfers (must be completed within 4 months of account opening). These 0% periods are longer than what most other cards are offering.
  • High balance transfer fee: Yes the 0% for 21 months on balance transfers is attractive, but the fee for that balance transfer will cost you 5% (min of $5). You’ll have to weigh the costs and see if the 21 months at 0% is worth it.
  • No annual fee: The Citi Diamond Preferred card comes with no annual fee so you’ll be able to shave off some dollars every year with this perk.
  • High potential APR: After your intro APR of 0% runs out, you’ll need excellent credit to get on the bottom end of this cards APR range which starts at 13.74% (V) and gets as high as 23.74 (V). If you take care of your balance in full you won’t have to worry about the APR.
  • Best if used with another card: The Citi Diamond Preferred card isn’t known for it’s rewards – it is used for balance transfers. We recommend pairing this card with a rewards credit card to get the best of both worlds.

Bottom line: If you have great credit, are in need of a balance transfer credit card that provides you 0% interest for an extended period of time, this credit card is right up your alley.

Additional Information

Spend some time reviewing the last details on the Citi® Diamond Preferred® Card.

  • Max Late Fee $40
  • Max Overlimitfee None
  • Max Penalty Apr 29.99% (V)
  • Grace Period 23 days
  • Online Response No
  • Cash Advanceapr 25.24% (V)
  • Cash Advancefee 5% (min $10)
  • Foreigntransaction Fee 3%
  • Smart Chip Yes, chip-and-signature
  • 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 3% 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 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Related Credit Cards:

If you are interested in the Citibank Credit Card, check out the following credit cards as well:

American Express Blue Business Cash™ Card
First Digital Mastercard®
American Express Blue Business Cash™ Card
Bob’s Discount Furniture Credit Card

DollarGeek serves as an independent comparison service. Our team works hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.

Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (such as the order in which they appear and where they are on the page). The team at DollarGeek tries to present a wide array of offers, but our offers do not represent all financial services companies or products.

Regardless of whether an offering institution is a paid advertiser, the presence of offer information on DollarGeek does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.

Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not issuer’s responsibility to ensure all posts and/or questions are answered.

Last Updated: Mar 17th, 2020 at 03:08 PT

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