Citi® Diamond Preferred® Card Review (0% APR until 2025)

The Citi® Diamond Preferred® Card offers one of the best 0% intro APRs available today. Not only do you get 0% APR on balance transfers for 21 months months (one of the longest balance transfer periods out there), but you also get 0% APR for 12 months on purchases. There aren’t any rewards, and you won’t get a welcome offer, but if you have high interest debt to pay off, transferring it to this card could be a big help. We dive into the details and your approval odds in this Diamond Preferred review.

Citi Diamond Preferred

Our Rating

3.6/5.0

Welcome Offer

0% Intro APR for 21 months on balance transfers

Annual Fee

$0

0% on Purchases

12 months on purchases

Reward Rate

N/A

0% on Balance Transfers

21 months

>>Check Out This and Other Balance Transfer Credit Cards Here

The Citi® Diamond Preferred® Card does one thing, and it does it well. It offers one of the longest 0% offers on purchases and balance transfers. At 21 months months on balance transfers, it’s currently the longest no interest balance transfer card we can find.

Welcome Offer

N/A

Features & Benefits

SecurityEMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Virtual Card Numbers, Card Lock
Contactless PaymentsTap to Pay, Apple Pay, Google Pay
BenefitsFree credit score access, Choose your due date, 24/7 customer service
Travel PerksAccess to Special Events and Concerts, Concierge Services

Rewards

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3%
Regular APR18.24% - 28.99% (V) APR
Balance Transfers0% Intro APR for 21 months on balance transfers, then 18.24% - 28.99%(V) APR after that.
Balance Transfer FeeBalance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Purchases0% Intro APR for 12 months on purchases, then 18.24% - 28.99% (V) APR after that.

What Credit Score Is Required to Get the Citi® Diamond Preferred® Card

The following credit score data are based on publicly available information we have collected from various forums. We have no way to confirm the accuracy of this data. In addition, keep in mind that credit card issuers use numerous factors in their underwriting process, and these factors can change at any time.

Lowest Approved Credit Score: 676

Average Approved Credit Score: 730

App StatusDateCredit ScoreBureauCredit Limit
Approved04/13/2023
777
TransUnion
$13,100
Approved04/13/2023
781
Experian
$13,100
Approved04/21/2023
676
Equifax
$1,000
Approved04/21/2023
709
Experian
$1,000
Approved04/21/2023
715
TransUnion
$1,000
Approved01/11/2023
720
Equifax
$8,900
Approved02/15/2023
734
Experian
$1,000

Pros & Cons

Pros
  • No annual fee
  • 0% Intro APR
Cons
  • No welcome bonus
  • No rewards
  • Foreign transaction fee
  • Requires good credit

What Are the Best Alternatives?

U.S. Bank Visa® Platinum Card
U.S. Bank Visa® Platinum Card

Rating

3.5

Rewards Range

None

Annual Fee

$0

Wells Fargo Active Cash® Card
Wells Fargo Active Cash® Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Citi<sup>®</sup> Double Cash Card - 18 month BT offer
Citi® Double Cash Card - 18 month BT offer

Rating

4.9

Rewards Range

1% to 2%

Annual Fee

$0

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