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You are here: Home / Credit Cards / Citi® Diamond Preferred® Card Review (0% APR until 2024)

Citi® Diamond Preferred® Card Review (0% APR until 2024)

June 15, 2021 by Rob Berger

The Citi® Diamond Preferred® Card 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.

Citi® Diamond Preferred® Card
Learn More
Our Rating
4.7/5.0
Welcome Offer
None
Annual Fee
$0
0% on Purchases
12 Months
Rewards Rate
N/A
0% on Balance Transfers
21 Months

Pros & Cons

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

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

Interest Rates & Fees

Annual Fee$0
Foreign Transaction Fee3% of each purchase transaction in US dollars.
Regular APR17.24% - 27.99% (V) APR

What Credit Score Is Required to Get the Diamond Preferred

Based on data we’ve collected from public forums, a credit score of 720 or higher is ideal. We have seen an approval with a score as low as 690, but keep in mind that credit card issuers consider more than just your credit score when evaluating a credit card application.

App StatusDateCredit ScoreBureauCredit Limit
Approved06/09/2018
764
Equifax
$2,800
Approved01/09/2017
725
Equifax
$6,200
Approved05/20/2018
710
Not Provided
$7,400
Approved07/01/2020
799
Equifax
$9,800
Denied04/04/2021
698
Equifax
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What Are the Best Alternatives?

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

Rating

4.8

Rewards Range

None

Annual Fee

$0

Read Review
Wells Fargo Active Cash Card
Wells Fargo Active Cash Card

Rating

4.9

Rewards Range

2%

Annual Fee

$0

Read Review
Citi® 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

Read Review

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About Rob Berger

Rob Berger is the founder of allCards.com. He's written about personal finance and investing since 2007 and is the author of the highly acclaimed book, Retire Before Mom and Dad. He is a former litigation attorney in the securities field and the Founding Editor of Forbes Advisor.

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