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Citi® Diamond Preferred® Card — Full Review [2025]

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Jarrod West
Updated: 
Edited by: Kellie Jez
& Michael Y. Park

We may be compensated when you click on product links, such as credit cards, from one or more of our advertising partners. Terms apply to the offers below. See our Advertising Policy for more about our partners, how we make money, and our rating methodology. Opinions and recommendations are ours alone.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3

  • None

  • $0

  • 0% Intro APR for 21 months on balance transfers and 0% Intro APR for 12 months on purchases. After that the variable APR will be 17.24% - 27.99%. Note that 0% intro APR is on purchases starting from date of account opening.

  • Good to Excellent (670-850)

Citi® Diamond Preferred® Card

This card has no annual fee with its strongest point being its introductory APR period on purchases and balance transfers.

U.P. Rating
The rating for this card has been determined by our own industry experts who know the ins and outs of credit card products. Bonuses, rewards as well as rates and fees are all taken into account. Compensation from the issuer does not affect our rating. We only recommend products we either use ourselves or endorse.
Star rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating iconStar rating icon3
Summary

The Citi® Diamond Preferred® Card is a $0-annual-fee card that comes with a generous introductory APR period on purchases and balance transfers.

Card Details

Card Snapshot

Welcome Bonus & Info

  • 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 17.24% – 27.99%, 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.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.

Card Categories

Pros & Cons

Pros

  • 0% Intro APR for 21 months on balance transfers
  • 0% Intro APR for 12 months on new purchases
  • $0 annual fee

Cons

  • Does not earn rewards
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Great Card If

  • You’re looking to pay down credit card debt with the 0% introductory APR for 21 months on balance transfers.
  • You’d like to finance a large purchase with a 0% introductory APR for 12 months on purchases.

Don’t Get If

  • You want a card that earns rewards.
  • You want a card that offers benefits and protections.

Citi Diamond Preferred Card — Is It Worth It?

The Citi Diamond Preferred card can be a good option for those who currently have credit card debt that they need to pay down or have a large purchase coming up that they’d like to finance by taking advantage of the card’s 0% intro APR offers.

Citi Diamond Preferred Card Top Benefits

  • 0% introductory APR for 21 months on balance transfers and 0% introductory APR for 12 months on purchases from date of account opening
  • $0 annual fee
  • Access to Citi Entertainment

Alternative Cards to the Citi Diamond Preferred Card

Chase Freedom Unlimited®

For those who want a great 0% introductory APR on both new purchases and balance transfers but still want to earn rewards for their spend, the Freedom Unlimited card is a great option. With it, you earn 5% back on travel purchased through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

Even though the Freedom Unlimited card has a $0 annual fee, it still offers perks like secondary rental car insurance, purchase protection, extended warranty protection, and more.

Blue Cash Everyday® Card from American Express

Another excellent card with a $0 annual fee and a 0% introductory APR offer is the Amex Blue Cash Everyday card. The card has a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 20.24%-29.24% variable APR (rates & fees).

Plus, it helps you earn 3% back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% back on U.S. online retail purchases on up to $6,000 per year (then 1%), and 3% back at U.S. gas stations on up to $6,000 per year (then 1%).

Not only does it offer great cash-back rates on purchase categories most of us spend a lot on each month, it also offers a $7 monthly credit toward the Disney Bundle (which includes Disney+, Hulu, and ESPN+), along with up to a $15 monthly credit toward a Home Chef meal kit subscription. Keep in mind that enrollment may be required first for you to enjoy these benefits.

See our comparisons of the Citi Diamond Preferred card and these popular cards:

Frequently Asked Questions

Is it hard to get the Citi Diamond Preferred card?

Generally speaking, it is not hard to get approved for the Citi Diamond Preferred card. Since one of the main selling points of the card is its 0% introductory APR offer on balance transfers, many people interested in the card might have credit balances elsewhere that they are looking to move to transfer to the card. That said, there is never a guarantee that you’ll be approved for the card.

What are the benefits of the Citi Diamond Preferred card?

The Citi Diamond Preferred card doesn’t offer many benefits outside of its 0% introductory APR offers, $0 annual fee, and access to Citi Entertainment, where you can score early access tickets to events.

Does the Citi Diamond Preferred card have an annual fee?

No, the Citi Diamond Preferred card has a $0.

Does the Citi Diamond Preferred card have a high credit limit?

Reportedly, the most common credit limit for the Citi Diamond Preferred card is $3,000, but you could also be approved for a much higher limit. The exact credit limit you are approved for depends on factors like your credit score, income, outstanding balances, history with Citi, and more.

Does the Citi Diamond Preferred card have airport lounge access?

No, the Citi Diamond Preferred card does not offer airport lounge access.

Jarrod West's image

About Jarrod West

Boasting a portfolio of over 20 cards, Jarrod has been an expert in the points and miles space for over 8 years. He earns and redeems over 1 million points per year, and his work has been featured in outlets like The New York Times.

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