BankAmericard vs.
Citi Diamond Preferred

The Citi Diamond Preferred credit limit is $500 or more. Everyone who gets approved for Citi Diamond Preferred is guaranteed a credit limit of at least $500, and the most creditworthy applicants could get much higher limits. The higher an applicant's credit score and income are, the higher the starting credit limit is likely to be.

The Citi Diamond Preferred credit limit that you receive upon approval isn't necessarily permanent. You can ask to get a credit limit increase by calling the Citibank customer service number on the back of your card, but it's best not to ask more than once a year. Citibank will also evaluate your account periodically to determine whether you are eligible for a credit limit increase. Paying on time and keeping your credit utilization low are key for getting unsolicited credit line increases with Citibank.

No, the Citi Diamond Preferred card doesn't offer any rewards on purchases. This card is aimed at people who want to save on purchases, as it offers a purchase intro APR of 0% for 12 months. Citi Diamond Preferred also has a transfer intro APR of 0% for 21 months, with a balance transfer fee of 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer. The card's regular APR is 16.49% - 27.24% (V).

If you're looking for a credit card with rewards there are several options available from different issuers. One good card is...

The Citi® Diamond Preferred® Card credit score requirement is good credit or better. That means we recommend a credit score of 700 or better to have a shot at getting approved for the Citi Diamond Preferred. You can check your credit score for free here on WalletHub to see if you qualify.

Note that while your credit score is an important factor, there are plenty of other things that will impact your chances of being approved for the Citi Diamond Preferred. Some other key criteria include...

To talk to Citi Diamond Preferred customer service, call 1-800-823-4086 and then enter your card number or your Social Security number and you will then hear a brief summary of your account. You can say "skip" at any time to bypass the account summary. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.

How to Talk to Citi Diamond Preferred Customer Service...

Yes, Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. Citi Diamond Preferred lets you do that at a reduced rate. It offers an introductory APR of 0% for 21 months on balance transfers. It also has a $0 annual fee.

Citi Diamond Preferred Balance Transfers: Things to Know

• Citi Diamond Preferred's balance transfer fee is 3% intro fee ($5 min) for each transfer in first 4 months, after that 5% ($5 min) for each transfer.
• Transfers must be completed within 4 months of account opening...

The BankAmericard credit card credit limit is reportedly around $3,000 to start, according to forum posts, and some cardholders report limits as high as $15,000. Bank of America does not disclose any specific BankAmericard credit card credit limit information in the card's terms, though.

For the most part, BankAmericard credit card credit limits depend on each applicant's overall creditworthiness. People with the most income and the best credit scores are generally offered the highest starting credit limits.

That said,...

The BankAmericard® credit card foreign transaction fee is 3%. This means Bank of America will add a 3% surcharge anytime you use the BankAmericard® credit card outside of the United States. The fee also applies to online purchases made through an internationally-based merchant.

To learn more, refer to our guide on foreign transaction fees and our editors' picks for the best credit cards without foreign fees.

The history of BankAmericard began in 1958, when Bank of America introduced the first multi-purpose credit card. The new card, known as BankAmericard, changed the way credit cards were used by allowing cardholders to make purchases at multiple retailers. Before then, credit cards were only issued by specific retailers or for a particular purpose, such as dining. BankAmericard was also the first card to offer revolving credit. This allowed customers to pay down their balances...

You can make a Citi® Diamond Preferred® Card payment online, by phone, through the Citibank mobile app, by mail or at a branch. To pay a Citi Diamond Preferred bill online, log in to your online account and click on "Make a Payment." Then, choose how much to pay, when to pay it, and where the payment is coming from. Citibank does allow cardholders to set up automatic payments, too.

Ways to Make a Citi Diamond Preferred Payment

• Online. Log in to...

Yes, it is typically hard to get the Citi® Diamond Preferred® Card because it requires at least good credit for approval. Unless your credit score is good or better and you have a lot of income, it will be difficult for you to get approved for the Citi Diamond Preferred.

In order to get the Citi Diamond Preferred, you will have to meet the credit score requirement, have a steady income and be at least 18 years old. You'll also need...