Citi Diamond Preferred Card – Review

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"Low intro APR with the benefits of Citi."

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Alex Miller

- UPDATED: November 17, 2020

The Citi® Diamond Preferred® Card is a no-annual-fee card that comes with a generous 0% introductory APR period on purchases and balance transfers.

Card Snapshot

Welcome Bonus & Info (Partner Content)
- 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.
Card Categories:
- Credit Card Reviews
- No Annual Fee Credit Cards

Card Fees

Annual Fee
- $0
Foreign Transaction Fees
3% of each purchase transaction after conversion into U.S. dollars.
Interest Rates
- 0% introductory APR for 18 months from date of account opening.
- Ongoing APR: 14.74% - 24.74% Variable
Late fees
- Up to $40
- Penalty APR: Up to 29.99% Variable
Balance Transfers
- 0% introductory APR for 18 months from date of first transfer when transfers are completed within 4 months from date of account opening.
- Ongoing APR: 14.74% - 24.74% Variable
- Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.
Cash Advance APR
- 25.24% Variable
- Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater.

About Alex Miller

Alex has been traveling for over 25 years and from a young age was lucky enough to set out on numerous family trips all over the world, which gave him the travel bug. Alex has since earned millions of travel points and miles, mainly through maximizing credit card sign-up bonuses and taking every opportunity to earn the most points possible on each dollar spent.