Citi Diamond Preferred Card Review

Citi® Diamond Preferred® Card

Reviewed by:
On November 7, 2011
Last modified:February 4, 2014


With a 0% introductory APR on purchases and balance transfers for 18 months, this no annual fee card is an ideal interest free option.

The Citi® Diamond Preferred® Card is THE card for those looking for a no interest introductory APR. The card’s terms are about as simple as you get. The card offers a 0% intro APR on both purchases and balance transfers for 18 Months* months. There’s no annual fee.

A 0% intro APR on both purchases and balance transfers is the longest promo period available today.  The balance transfer works like most do, with a transfer fee of 3% of the amount transferred, with a $5 minimum fee. Following the introductory APR, the interest rate will go to 11.99% – 21.99%* Variable depending on your credit history.

This card does not offer cash back or other rewards. As a result, it’s ideal to use for its zero percent deal, while using another card for rewards. That being said, the Citi® Diamond Preferred® Card does have some unique features.

For example, the card offers a personal concierge service with 24/7 assistance to help you book hotel rooms or flights, make restaurant reservations, or find concert tickets. The card also offers Citi® Private Pass®, special access to the best in live music, sports, dining, and family entertainment.

Here’s a summary of the card’s features:

Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
Apply Now...
at CitiBank's
secure site
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals(SM) Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Purchases Balance Transfers Regular APR Annual Fee
Intro APR Intro APR Period Intro APR Intro APR Period
0%* 18 Months* 0%* 18 Months* 11.99% – 21.99%* Variable $0*
727 Average credit score approved for this card† 672 Lowest credit score approved for this card†

To apply, visit the Citi® Diamond Preferred® Card official website.

Published or Updated: February 4, 2014
About Rob Berger

Rob founded the Dough Roller in 2007. A litigation attorney in the securities industry, he lives in Northern Virginia with his wife, their two teenagers, and the family mascot, a shih tzu named Sophie.

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