The Ultimate Guide to Credit Cards
Wednesday, May 31, 2023

Citi® Diamond Preferred® Card Review

"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





  • 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 17.99% - 28.74%, 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.
Intro (Purchases)
Intro (Transfers)
Regular APR
Annual Fee
Credit Needed
0% 12 months on Purchases
0% 21 months on Balance Transfers
17.99% - 28.74% (Variable)
Excellent, Good

Additional Disclosure: Citi is a CardRates advertiser.

Interest Rate

Annual Fee

Credit Needed

Our Ratings By Category

0% Balance Transfer
(Ranked #4 out of 23)
0% Intro APR
(Ranked #22 out of 31)
Best Overall
(Ranked #66 out of 150)
Excellent Credit
(Ranked #43 out of 60)
Good Credit
(Ranked #34 out of 58)
(Ranked #15 out of 39)

Advertiser Disclosure is a free online resource that offers valuable content and comparison services to users. To keep this resource 100% free, we receive compensation for referrals for many of the offers listed on the site. Along with key review factors, this compensation may impact how and where products appear across (including, for example, the order in which they appear). does not include the entire universe of available offers. Editorial opinions expressed on the site are strictly our own and are not provided, endorsed, or approved by advertisers.

Alternatives to Citi® Diamond Preferred® Card

Be sure to visit the official website for Citi® Diamond Preferred® Card to learn complete details about its features and terms. If you’re not quite sure if Citi® Diamond Preferred® Card is right for you, we encourage you to check out these guides to popular alternatives:

Before applying for the Citi® Diamond Preferred® Card offer or any other offer, be sure you understand all fees, interest rates, and terms so you can make the best decision for your own financial goals.