Citi® Diamond Preferred® Card Review (0% APR until 2026)
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The Citi® Diamond Preferred® Card offers one of the best 0% intro APRs available today. Not only do you get 0% intro APR on balance transfers for 21 months (one of the longest balance transfer periods out there), but you also get 0% intro APR on purchases for 12 months. 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.
Our Rating
3.6/5.0
Welcome Offer
0% Intro APR for 21 months on balance transfers
Annual Fee
$0
0% Intro on Purchases
12 months
Reward Rate
N/A
0% Intro on Balance Transfers
21 months
>>Check Out This and Other Balance Transfer Credit Cards Here
Editorial Review
Features & 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 | 17.74% - 28.49% (V) APR |
Balance Transfers | 0% Intro APR for 21 months on balance transfers, then 17.74% - 28.49%(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 17.74% - 28.49% (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: 746
App Status | Date | Credit Score | Bureau | Credit Limit |
---|---|---|---|---|
Approved | 10/15/2022 | Not Provided | ||
Approved | 11/18/2022 | Experian | ||
Approved | 11/18/2022 | Experian | ||
Approved | 11/18/2022 | Equifax | ||
Approved | 11/18/2022 | Equifax | ||
Approved | 04/13/2023 | TransUnion | ||
Approved | 04/13/2023 | Experian | ||
Approved | 04/21/2023 | Equifax | ||
Approved | 04/21/2023 | Experian | ||
Approved | 04/21/2023 | TransUnion | ||
Approved | 01/11/2023 | Equifax | ||
Approved | 02/15/2023 | Experian |
Pros & Cons
- 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
No rewards
Annual Fee
$0
Wells Fargo Active Cash® Card
Rating
4.9
Rewards Range
2%
Annual Fee
$0
Citi® Double Cash Card
Rating
4.9
Rewards Range
1% to 2%
Annual Fee
$0