Yes, the Citi® Diamond Preferred® Card is hard to get, as it requires at least good credit (a credit score of 700+) for approval. Citi will also consider your payment history, credit utilization, and annual income to help determine if you qualify.

What to know before applying for the Citi Diamond Preferred:

It's worth noting that the Citi Diamond Preferred will be harder to get for some people, seeing as the average credit score in the U.S. is close to the minimum required for approval. Be sure to check your free credit score before you apply to assess your odds of being approved. 

You can get a better idea of how hard it will be to get a Citi Diamond Preferred through Citibank's online pre-screen tool. You'll know in a matter of seconds if you're pre-selected for Citi Diamond Preferred and other Citi credit cards, based on the information you enter. Plus, this tool doesn't affect your credit score, as the process is done using a soft inquiry.

The highest credit limit for the Citi Diamond Preferred card can be over $10,000 for most creditworthy borrowers, according to multiple reports from cardholders on online forums. Citibank does not typically disclose the maximum spending limit for any of its unsecured credit cards. Not everyone is likely to qualify for the highest credit...

The credit limit on a Citi Diamond Preferred card is $500 or more, and some cardholders report starting credit limits of $10,000+. When you're approved for this card, Citibank will determine your specific credit limit based on factors such as your credit history, annual income, and any debt you owe.

You need...

The Citi Diamond Preferred card annual fee is $0 per year. Citi Diamond Preferred card's $0 annual fee is lower than the average annual fee among new credit card offers right now. It's not the only fee you need to worry about with the Citi® Diamond Preferred® Card, though.

Citi Diamond...

The Citi Diamond Preferred benefits include access to special events' tickets with Citi Entertainment, digital wallet capabilities, ID theft protection, and $0 fraud liability protection. This card also offers intro APRs on both purchases and balance transfers.

Top Citi Diamond Preferred Benefits and Perks:

• Citi Entertainment: With Citi Entertainment, you get special access to purchase...

You need a credit score of 700 or higher for the Citi Diamond Preferred card. This means that you should have at least good credit for high odds of approval. 

Some people claim to have been approved for this card with lower scores than 700. But that is riskier, especially...

To request a Citi Diamond Preferred credit limit increase, call Citibank customer service at (800) 950-5114 or access the "Card Management" menu from your online account or mobile app. For the highest approval odds, cardholders should have at least 6 consecutive months of on-time payments on the account. Consistently paying on time, preferably...

The Citi Diamond Preferred foreign transaction fee is 3%. This fee applies to all purchases processed outside the United States, even if you're not physically abroad. So, online purchases from internationally based merchants are subject to Citi Diamond Preferred's foreign fees, too.

However, it is worth noting that this card...

You can apply for the Citi Diamond Preferred card either online or over the phone at (800) 505-1675. Alternatively, you can also submit an application in-person, at your local Citibank branch.  

Here's how to apply for the Citi Diamond Preferred card:

• Online: Applying online is the fastest and most straightforward way. You can...

The Citi Diamond Preferred card has no rewards on purchases. This card is aimed at people who want to save on, purchases and balance transfers with a 0% intro APR.

If you're looking for great rewards cards, you would check out Chase Freedom Unlimited®, the Blue Cash Preferred® Card from American Express, and the Wells Fargo Active Cash® Card. You can also take a...