Reviews (US)

Citi® Diamond Preferred® Card review

Check out our Citi® Diamond Preferred® Card review to know all about this excellent no annual fee card!

Citi® Diamond Preferred® Card: learn all about this card’s 0% intro APR period!

Check out our Citi® Diamond Preferred® Card review! Source: The Mister Finance
Check out our Citi® Diamond Preferred® Card review! Source: The Mister Finance

Like most people, you probably have a few credit cards in your wallet. And if you’re like most people, you may not be getting the most out of them. The Citi® Diamond Preferred® Card could be just what you need to take your credit game to the next level. So, read our Citi® Diamond Preferred® Card review to learn more about this amazing card and see if it’s right for you!

Credit ScoreGood – Excellent.
Annual FeeNo annual fee.
APR0% 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. Balance transfers must be completed within 4 months of account opening. After that period:

Purchases APR: 17.74% – 28.49% (Variable);
Balance Transfer APR: 17.74% – 28.49% (Variable);
Cash Advance APR: 29.99% (Variable).
Welcome bonusThere is no current promo.
RewardsSpecial access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more via  Citi Entertainment®.
Citi® Diamond Preferred® Card

How to apply for the Citi® Diamond Preferred® Card

If you love a card with no annual fee and intro APR periods, check out our post about the Citi® Diamond Preferred® Card application!

How does the Citi® Diamond Preferred® Card work?

Learn all about how this Citi card works! Source: Adobe Stock.
Learn all about how this Citi card works! Source: Adobe Stock.

With the Citi® Diamond Preferred® Card, you can get a 21-month 0% intro APR on balance transfers made within the first 4 months and 12-month 0% intro APR on purchases if you qualify with good to excellent credit.

Afterward, you’ll only experience a moderate 17.74% – 28.49%% variable APR.

Also, you can get access to 24/7 customer service and account alerts. All of this can make your credit card experience much safer.

Moreover, as a cardholder, you can use the contactless payment option. In addition, you can customize your payment due date to meet your needs. And there is no annual fee to take advantage of any of these benefits!

How does the Citi® Diamond Preferred® Card benefits

This credit card can have many benefits, especially when it comes to balance transfer benefits. For example, you can get an intro APR of 0% for 21 months for balance transfers and 0% APR for 12 months on purchases (after that, 17.74% – 28.49%) .

This can be an amazing benefit compared to other similar cards in the market. However, this credit card also has some downsides. For example, there are no rewards programs. So, check out below our list of the pros and cons of this card!

Pros

  • 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 17.74% – 28.49%, 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.

Cons

  • There are no rewards programs available.
  • You need at least a good credit score to qualify for this card.

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How good does your credit score need to be?

To be eligible for this Citi credit card, you must have a relatively high credit score. Aside from that, you will require a credit score ranging from good to excellent to meet the qualifications for approval.

As a result, if you like the features of this card, you should check your score and make an effort to improve it if it is not very high.

How to apply for Citi® Diamond Preferred® Card?

You can easily apply for this Citi credit card on Citi’s official website. All you need is internet access and a computer. Therefore, you can check out our post below with all the details you need to know to complete your application process to get this Citi credit card!

Citi® Diamond Preferred® Card

How to apply for the Citi® Diamond Preferred® Card

If you love a card with no annual fee and intro APR periods, check out our post about the Citi® Diamond Preferred® card application!

The content on this page is accurate as of the posting date; however, some of the offers mentioned may have expired.

About the author  /  Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by  /  Aline Barbosa

Senior Editor

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