Pros & Cons
Pros
- No annual fee
- 0% Intro APR
Cons
- No welcome bonus
- No rewards
- Foreign transaction fee
- Requires good credit
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 |
Interest Rates & Fees
| Annual Fee | $0 |
| Foreign Transaction Fee | 3% of each purchase transaction in US dollars. |
| Regular APR | 17.24% - 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 Status | Date | Credit Score | Bureau | Credit Limit |
|---|---|---|---|---|
| Approved | 06/09/2018 | Equifax | ||
| Approved | 01/09/2017 | Equifax | ||
| Approved | 05/20/2018 | Not Provided | ||
| Approved | 07/01/2020 | Equifax | ||
| Denied | 04/04/2021 | Equifax |
What Are the Best Alternatives?
U.S. Bank Visa® Platinum Card
Rating
4.8
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
