The Ultimate Guide to Credit Cards
Wednesday, July 28, 2021

Citi® Diamond Preferred® Card

► 2021 Review, Application & Rates

"The long introductory periods of 0% APR on purchases and balance transfers make this an attractive card for those looking to carry a balance. Beware its lack of a rewards program, however."
- Toby Sembower,
Advertiser Disclosure

BEST OVERALL RATING

★★★★★

4.6

OVERALL RATING

4.6/5.0
  • 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 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 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 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 18 months on Purchases and Balance Transfers
0% 18 months on Purchases and Balance Transfers
13.74% - 23.74% (Variable)
$0
Excellent, Good

Interest Rate

Annual Fee

Credit Needed

Ratings By Category

0% Balance Transfer
(Ranked #5 out of 14)
★★★★★
4.6
0% Intro APR
(Ranked #12 out of 35)
★★★★★
4.7
Best Overall
(Ranked #33 out of 130)
★★★★★
4.6
Excellent Credit
(Ranked #28 out of 60)
★★★★★
4.6
Good Credit
(Ranked #29 out of 59)
★★★★★
4.6
Low APR
(Ranked #15 out of 40)
★★★★★
4.6

Advertiser Disclosure

The credit card offers that appear on this site are from credit card companies from which CardRates.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CardRates.com does not include all credit card companies or all available credit card offers.