Citi® Diamond Preferred® Card Review (0% APR until 2024)
The card_name offers one of the best 0% intro APRs available today. New cardholders get 0% on both balance transfers and purchases. There is no annual fee.
3.6/5.0
0% Intro APR for 21 months on balance transfers
$0
12 Months
N/A
21 Months
Welcome Offer
N/AFeatures & Benefits
Security | EMV Chip Enabled, Fraud Monitoring, Zero Liability, Alerts, Identity theft protection, Virtual Card Numbers, Card Lock |
Contactless Payments | Tap to Pay, Apple Pay, Google Pay |
Benefits | Free credit score access, Choose your due date, 24/7 customer service |
Travel Perks | Access to Special Events and Concerts, Concierge Services |
Rewards
Interest Rates & Fees
Annual Fee | $0 |
Foreign Transaction Fee | 3% |
Regular APR | 17.99% - 28.74% (V) APR |
Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 17.99% - 28.74%(V) APR after that. |
Balance Transfer Fee | Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum. |
Purchases | 0% Intro APR for 12 months on purchases, then 17.99% - 28.74% (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 a number of factors in their underwriting process, and these factors can change at any time.
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 06/09/2018 | Equifax | ||
Approved | 10/15/2022 | Not Provided | ||
Approved | 01/09/2017 | Equifax | ||
Approved | 11/18/2022 | Not Provided | ||
Approved | 05/20/2018 | Not Provided | ||
Approved | 01/11/2023 | Equifax | ||
Approved | 02/15/2023 | Experian | ||
Approved | 07/01/2020 | Equifax | ||
Denied | 04/04/2021 | Equifax |
- No annual fee
- 0% Intro APR
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
What Are the Best Alternatives?

U.S. Bank Visa® Platinum Card
Rating
3.5
Rewards Range
None
Annual Fee
$0

Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0

Citi® Double Cash Card - 18 month BT offer
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0
FAQs
Is the Citi® Diamond Preferred® Card a good credit card?
Yes, if you are looking for a balance transfer card or 0% APR on purchases. For those seeking rewards, it doesn’t offer any.
What is the balance transfer fee on the Citi® Diamond Preferred® Card?
$5 or 5% of the amount of each transfer, whichever is greater
How long does the 0% APR last on the Citi® Diamond Preferred® Card?
It currently lasts for intro APR for 21 months on Balance Transfers months. After that, any remaining balance will be subject to a variable interest rate applicable to regular purchases, which is based on the applicant’s credit worthiness.