Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

on Citibank's application

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

on Citibank's application

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Card details

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.

  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater.

  • Get free access to your FICO® Score online.

  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.

  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.

  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.

Rates, fees & offers

  • Annual fee

    $0

  • Rewards rate

    N/A

  • Bonus offer

    None

  • Intro APR

    0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

  • Ongoing APR

    APR: 13.74%-23.74% Variable APR

    Cash Advance APR: 25.24%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    5% of each balance transfer; $5 minimum.

  • Foreign transaction fee

    3%

Recommended credit score

Compare to other cards

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$75

Annual fee

$0

Regular APR

13.74%-23.74% Variable APR

Regular APR

15.99%-23.99% Variable APR

Regular APR

13.24%-19.24% Variable APR

Rates & Fees

Intro APR

0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases

Intro APR

N/A

Intro APR

0% intro APR on purchases for 12 months from the date of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

4.4

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • Intro APR period

  • Intro balance transfer fee

Cons
  • Requires good/excellent credit

  • No rewards

The headlining feature of the $0-annual-fee Citi® Diamond Preferred® Card is its APR: 0% Intro APR for 21 months on Balance Transfers and 12 months on Purchases, and then the ongoing APR of 13.74%-23.74% Variable APR.

The card doesn't earn rewards or offer incentives to use it once you've paid off your balance, but the long interest-free window could make it a worthy get-out-of-debt card for the right applicant.