Written Best for
- Small Business Owners
- Entertainment
- U.S. Supermarket Spending
- Balance Transfers
Considerations
- Interest Rates
- Foreign Transaction Fee
- Sign-Up Bonus
- Intro APR, Introductory Bonus
Pros
- 0% intro APR for 12 months on purchases
- $0 annual fee
- Offers intro APR for 21 months on Balance Transfers.
Cons
- 5% (min $5) balance transfer fee
- High regular APR
- No rewards or welcome offer.
- 3% foreign transaction fee
- 50+ Credit Cards Ranked
- 2000 Data Points Collected
- 10 Levels of Rank Checking
- 25+ Categories Considered
At MyCreditCardLab, we value your trust above all else. We earn it with careful, fair analysis. We are fully transparent. We stick to strict editorial standards and independence. Your confidence in our content is our top priority.
See our full methodologyIn This Review
Review: Citi® Diamond Preferred® Card
Get in-depth credit card reviews covering features, benefits, fees, and rewards. Make informed decisions and find the perfect card for your financial goals.
For more information see our credit card score explanation here.At Lootrs, we put each card to the score.
We score Citi® Diamond Preferred® Card 10 different factors that impact the benefits and rewards of the cards. scoring categories include:
| Credit Cards Review | Rating |
|---|---|
| Intro APR | Very Good |
| Regular APR | Very Good |
| Annual Fee | Exceptional |
| Welcome Bonus | Poor |
| Rewards | Very Poor |
| Benefits | Good |
| Recommended Credit Score | Very Good |
| Foreign Transaction Fee | Good |
| Cash Advance Fee | Very Good |
| Balance Transfer Fee | Good |
Who can apply for Citi® Diamond Preferred® Card?
We have categorized Citi® Diamond Preferred® Card 4 main useful user criteria. it's applied using the Lootrs methodology.
How is Citi® Diamond Preferred® Card Different?
The Citi Diamond Preferred® Card stands out. It has generous intro APR offers and no annual fee. The card has an introductory 0% APR on balance transfers for 21 months. It also has the same rate on purchases for 12 months. This gives cardholders plenty of time to pay off debt or make new purchases. And they can do so without interest.
Also, you get access to Citi Entertainment® events. The Citi Flex Plan adds even more to the cardholder experience.
Citi® Diamond Preferred® Card Annual Fee
Card type: No Annual Fee Credit Cards
Issuer Name: Citibank
No annual fee
Elevate your financial journey with the Citi Diamond Preferred credit card, featuring a $0 annual fee and a suite of tailored rewards and benefits to match your lifestyle and preferences.
Welcome Bonus
The Citi® Diamond Preferred® Card does not have a welcome offer.
APRs: Citi® Diamond Preferred® Card
Explore credit card APRs to understand borrowing costs. Learn how APRs vary for purchases, balance transfers, and cash advances. This is crucial for informed financial choices.
The table below shows the types of each APR brief description for the Citi® Diamond Preferred® Card.
| Type of APR | Rating |
|---|---|
| Intro APR - 0% intro APR on Purchases for 12 months, and then the ongoing APR of 18.24%-28.99% Variable APR | 9.1/10Very Good |
| Regular APR - 18.24%-28.99% Variable | 8.7/10Very Good |
| Purchase - 18.24%-28.99% Variable | 8.8/10Very Good |
| Balance transfer - APR: 18.24% to 28.99% variable, Fee: Either $5 or 5% of the amount of each transfer, whichever is greater | 8.1/10Good |
| Cash advance - Either $10 or 5% of the amount of each transfer, whichever is greater | 9.1/10Very Good |
| Penalty - up to 29.99% | 8.4/10Good |
Citi® Diamond Preferred® Card Benefits
Certainly! Here's a table. It shows the benefits of the Citi® Diamond Preferred® credit card:
| Benefits | Score |
|---|---|
| Free access FICO® Score Get free access to your FICO® Score online. |
9.7/10Excellent |
| ID theft protection This applies to the Citi Diamond Preferred® Card. if you use most of your payments using a credit card this feature is best for you. However, Citi may offer identity theft resolution services. They help cardholders if they become identity theft victims. |
10/10Exceptional |
| $0 fraud liability Era of Technology, You get standard security features. They include $0 liability for unauthorized charges. You also get contactless payment. It adds convenience and security. |
9.6/10Excellent |
| EMV chip technology This feature is useful for today. The card may have EMV chip technology. It makes unique codes for each purchase. This lowers the risk of counterfeit card fraud. |
9.3/10Very Good |
| Citi Entertainment You can get into special events, presale tickets, and exclusive entertainment experiences through Citi Entertainment®. It makes being a cardholder better with unique entertainment. |
9/10Very Good |
Citi® Diamond Preferred® Card Rewards
Citi® Diamond Preferred® Card Rewards stand out as a highly versatile credit currency, offering a myriad of redemption options to suit your preferences. You can utilize your rewards in a variety of ways, including:
- This card does not offer rewards
Balance transfer fee vs. interest payments
| Card | Payoff time | Total estimated cost |
|---|---|---|
| Citi Diamond Preferred | 21 months* | $300 (5% balance transfer fee) |
| Credit card with 20% APR | 26 months | $1,730 (interest charges) |
*Then an ongoing APR of 18.24% – 28.99% (Variable)
Recommended Credit Score
Credit Score : 690 - 850 (Fair - Exceptional)
We evaluate credit card options based on FICO credit scores. We ensure tailored recommendations that match your financial profile.
For more information see our FICO Recommended credit score Rating explanation here.For individuals considering the Citi® Diamond Preferred® Card, we recommend a credit score between 690 (Fair) and 850 (Exceptional). This range ensures eligibility for personalized benefits and rewards that complement your credit profile. Apply now to access exclusive perks and enhance your credit card experience with us.
Compare The Citi® Diamond Preferred® Card vs. Other Popular Cards
Compare credit cards effortlessly to find the ideal match for your financial goals. Explore features, rewards, fees, and more to make informed decisions and maximize your benefits. You might want cash back, travel rewards, or low APR. Our tool makes it easy. It lets you compare many cards at once.
You have comprehensive information at your fingertips. You can select the card that best fits your spending and preferences. Take control of your finances. Find the perfect credit card for your needs with our easy comparison platform.
Citi® Diamond Preferred® Card
|
Bank of America® Customized Cash Rewards Card
|
Discover it® Student Cash Back Card
|
|---|---|---|
| 8.1MyCreditCardLab Score |
8.7MyCreditCardLab Score MyCreditCardLab Score 8.7We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
9.0MyCreditCardLab Score MyCreditCardLab Score 9.0We've meticulously evaluated this card using MyCreditCardLab's exclusive credit card rating system. Our assessment considered various cardholder needs, ultimately assigning a rating based on the need with the highest score, currently at "." Our rating scale ranges from 1 to 10, with 10 representing the best possible score. |
| ANNUAL FEE | ||
| $0 | $0 | $0 |
| INTRO APR | ||
| 0% for 12 months from account opening date | 0% first 15 billing cycles | 0% intro APR for 6 months |
| REGULAR APR | ||
| 18.24%-28.99% Variable | 18.24% - 28.24% Variable APR | 18.24% - 27.24% Variable APR |
| WELCOME BONUS | ||
| This card does not offer a welcome bonus | $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. | Discover will match all cash back earned at the end of your first year with the card. |
| REWARDS | ||
| There is no ongoing rewards program, which limits its long-term value. | choose the category that earns 3% for eligible spending. | 5% cash back on rotating quarterly bonus categories |
| BENEFITS | ||
| Balance Transfers and Purchases | $0 liability guarantee for fraudulent transactions, Paperless statement, Digital wallet | Choice of card designs, Text and email alerts |
| CASH ADVANCE FEE / APR | ||
| 5% (min $10) / Up to 29.99% | 3% (min $10) / 3% | 5% (min $10) / 18.24% - 27.24% Variable |
| BALANCE TRANSFER FEE | ||
| Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. | 3% for 60 days from account opening, then 4% | 10.99% APR on Balance Transfers for 6 months, and then 18.24%-27.24% Variable APR |
| RECOMMENDED CREDIT SCORE | ||
| 690 - 850 (Fair - Exceptional) | 690 - 850 (Fair - Exceptional) | 630 - 689 (Poor - Fair) |
| FOREIGN TRANSACTION FEE | ||
| 3% | 3% | None |
| BEST FOR | ||
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| More Details Compare | More Details Compare |
Citi Credit Card Login
Follow these easy steps:
Step 1. Go to the Login Citi Credit Card page via the official link.
Step 2. Log in using your username and password. The login screen appears upon successful login.
Step 3. If you still can’t access Citi Credit Card Login then see forgot your username and password option.
Frequently Asked Questions (FAQs)
Still have questions? Check out some of the top FAQs on the Citi® Diamond Preferred® credit card below and get the answers you're looking for.
No, the Citi Diamond Preferred card does not charge an annual fee.
Citi does not share the Citi Diamond Preferred's credit limit. As per our study, FICO score of 690 to 850 are needed. But, the higher your credit score and the longer you’ve used credit responsibly, the better your chances are to get a good credit limit.
No, The Citi® Diamond Preferred® Card does not offer rewards or a sign-up bonus. The card's best feature is its long interest-free period. It offers 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases.
