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Citi® Diamond Preferred® Card

PREPAID & CREDIT CARD APPLICATIONS ONLINE

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Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
Card Rating:
Minimum Credit Needed:
Minimum credit history required to be eligible for this credit card.
If your credit is less than the minimum required, DO NOT APPLY for the card.
Bank:
Citibank
Card Network:
MasterCard®
User Category:
Everyday
Consumer Card
These credit cards are for the average consumer who needs a credit card for personal use.
Card Type:
Unsecured Card
Unsecured credit cards offer a revolving credit line and not requiring an initial deposit.
Issuing Country:
United States
About this Credit Card:
Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.26
There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
Citi Easy DealsSM 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.
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
No annual fee.26
Interest Rates & Fees
Everyday Purchases:
Introductory APR:
The interest charged on purchases for a short period of time (introductory period).
0% (21 months)26
Ongoing APR:
The interest rate charged on purchases when account is established or after introductory period is over.
11.99% - 21.99%26 (Variable)
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
29.99%
Minimum Grace Period:
The period of time during which you can pay off the card balance without paying the interest.
23 days
Minimum Interest Charge:
The minimum amount charged by a lender if you are charged interest.
$0.50
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Balance Transfer:
Introductory APR:
The interest rate charged on transferred unpaid debt for a short period of time (introductory period).
0% (21 months)26
Ongoing APR:
The interest rate charged on transferred unpaid debt when account is established or after introductory period is over.
11.99% - 21.99%26 (Variable)
Balance Transfer Fee:
A fee which may be charged for transferring an outstanding balance to your new credit card.
3% ($5 min)
Default APR:
The interest rate may be charged when you miss a payment, exceed available credit limit or pay less than minimum.
29.99%
Minimum Grace Period:
The balance transfers do not usually have a grace (interest-free) period.
n/a
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Cash Advance:
Ongoing APR:
The non-introductory interest rate charged for cash advances when account is established.
25.24%
Cash Advance Fee:
A one-time service charge on cash advance made through ATM, a teller, or an access check.
5% ($10 min)
Default APR:
The interest rate charged when you miss payments, do not make payments at all or pay less than minimum.
29.99%
Minimum Grace Period:
The cash advances do not usually have an interest-free period and the interest starts accruing the day you make cash advance.
n/a
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Other Fees:
Application Processing Fee:
A fee which may be charged upfront when you apply for a credit or a debit card.
n/a
Annual Fee:
A fee charged annually for use of a credit card.
$026
Late Payment Fee:
A fee which is charged when you miss a payment or your payment is received after the due date.
Up to $35
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Expert Review
Our Expert's Valuation:
Credit-Land.com experts thoroughly analyzed the credit card and defined its main pros and cons.
pluses
0% intro APR on balance transfers.

pluses
Get protected with Citi® Identity Theft Solutions.

pluses
Earn Citi Easy Deals Points for purchases.

minuses
Balance transfer fee is 3% of each balance transfer.

Expert's Ratings:
Credit-Land.com experts evaluate each card using five criteria in order to help you choose the best card.
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:
Overall:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Interest Rates:
Maintenance Fees:
Features & Benefits:
Reward Program:
Customer Service:


26 See the Citi card terms and conditions online.

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User comments about Citi® Diamond Preferred® Card:
  • Sanu
    My wife is having an expensive dental procedure next month. We were told this card would be no interest if paid within a specific time period. Is it correct?
  • CreditLandCom
    Yes, this card comes with a 21-month 0% interest introductory period and no annual fee. You will need to make only minimum payments and no interest payments during introductory period.
  • Elsy Mellingen
    applied for this card simply because want citi card with apple pay but now this is the card i use most.
  • kazutoshi_sh
    Is it good for paying off another cc debt?
  • CreditLandCom
    This card has one of the longest introductory periods on balance transfers – 21 months. However, you will have to pay 3% for each balance transfer. We would recommend you to make some calculation to see if your savings exceed the costs.
  • Estelinda
    Can this card be without my name written on it? I will be giving it to my caregiver to go buy some food and other things for me.
  • CreditLandCom
    You can get this credit card in your name and then add your caregiver to this card. For that you will need to contact the credit card issuer. After your request, the bank will issue an additional credit card with the name of a caregiver on it. Note that you will carry all responsibility for both cards’ fees.
  • Wesley Russo
    why is it called diamond preferred? will I have VIP privileges?
  • CreditLandCom
    If you want a credit card with VIP privileges, look at the Citi Prestige® Card. It has bonuses like $250 Air Travel Credit each year and low APR. You will enjoy complementary access to American Airlines Admirals Club® lounges and other VIP lounges through Priority PassTM Select. Plus you will have opportunity to extend your trip with a complementary 4th night stay at any hotel of your choice.
  • Debbie
    I wouldn’t say so it’s just a name. BUT there is such thing like private pass. I often use it to buy tickets in advance... usually I can get 3 days earlier before they are available to the mortals.