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 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. After that the variable APR will be 14.74% - 24.74%, 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 3% 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 14.74% - 24.74%, 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 on Purchases and Balance Transfers for 18 months

  • Ongoing APR

    APR: 14.74% - 24.74% Variable APR

    Cash Advance APR: 25.24%, Variable

    Penalty APR: Up to 29.99%, Variable

  • Balance transfer fee

    3% 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

$95

Annual Fee

$0

Regular APR

14.74% - 24.74% Variable APR

Regular APR

15.99% - 22.99% Variable APR

Regular APR

12.99% - 22.99% Variable APR

Intro APR

0% intro APR on Purchases and Balance Transfers for 18 months

Intro APR

N/A

Intro APR

0% intro APR for 18 billing cycles on purchases and on any balance transfers made within 60 days of account opening

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Melissa Lambarena

Rating details

4.8

Editor's overall rating

Pros and cons

Pros
  • No annual fee

  • 0% for 18 months on transfers if you qualify

Cons
  • No rewards

The headlining feature of the $0-annual-fee Citi® Diamond Preferred® Card is its APR: 0% intro APR on Purchases and Balance Transfers for 18 months, and then the ongoing APR of 14.74% - 24.74% 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.

For more details, see NerdWallet’s full review of this card.