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Citi Diamond Preferred Card

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Highlights

  • Earn Extra Cash on 10% of your purchases, redeemable from the Citi website marketplace
  • Fraud Protection
  • Low balance transfer fee – 3%, and 0% interest for 18 months
  • 0% Introductory APR on purchases for 18 months
  • Diamond Platform Benefits and Rewards

Rates & Terms

Purchase Intro APR Regular APR Annual Fee Balance Transfer Period
0% 12.99-21.99%* Variable $0 18 Months
  • Purchase Intro Period: 18 Months
  • Balance Transfer Intro Rate: 0%
  • Balance Transfer Rate: 12.99-21.99%* Variable
  • Cash Advance Rate: 25.24%
  • Late Fee: Up to $35
  • Cash advance Fee: 5%, Min: $10
  • Balance Transfer Fee: 3%, Min: $5
  • Cash Advance Minimum: N/A
  • Balance Transfer Minimum: N/A
  • Credit Profile: Excellent Credit Score

Citi Diamond Preferred Card Review

The Citi® Diamond Preferred® Card is one of Citi's low interest credit cards. You will get an industry leading (tied with many Discover cards) 18 months of 0% APR on Balance Transfers and Purchases, helping you alleviate a debt situation or spread a large purchase across an extended period of time.  Additionally, the card comes with all of the Citi Diamond Program benefits, including auto rental insurance, price guarantees, and a 24/7 concierge service.  You can find the details of the program here.

Our only criticism of the card would be that it doesn’t really accrue rewards with a point or cash system the way other cards might.  This means that if you want to use the credit card for every day purchases and earn rewards or incentives, this card might not be the best option. In that case we'd encourage you to have a look at the Citi ThankYou Preferred Credit Card or Citi ThankYou Premier Credit Card .