The Citi Diamond Preferred card is a very good credit card that’s worth it for people with good credit who want to avoid interest charges on balance transfers or purchases. Citi Diamond Preferred offers introductory interest rates of 0% for 21 months on balance transfers and 0% for 12 months... show more
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 16.74% - 27.49%, 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.
Can't find what you are looking for? Submit your question about Citi® Diamond Preferred® Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this card.
Here's how to pay your Citi Diamond Preferred card:
Online: You can make a Citi Diamond Preferred card payment by logging in to your online account.
Phone: If you prefer to make a payment over the phone, call customer service at (800) 823-4086.
Mobile app:Log in to your account and select your card, then tap "Make a Payment."
ATM: You can also make a payment at a Citibank ATM.
Mail: To pay your credit card via mail, send a check or money order (but not cash) to the following address: P.O. BOX 9001037 Louisville, KY 40290-1037
Overnight Delivery / Express Payments
Citibank Express Payments 6716 Grade Lane Building 9, Suite 910 Louisville, KY 40213
Keep in mind that payments via regular mail take the longest time to post. So, in order to avoid being late, always send your payments at least 5-7 days before your due date.
Share your insights and review the Citi® Diamond Preferred® Card
5
25%
4
35%
3
25%
2
9%
1
5%
3.6
1,446 reviews
1,446 reviews
What's Your Rating?
Most Recent
Most RecentMost Useful
Review sort
Francine Calandra @cine_cal
Report Abuse
4 Star Rating
I really like the Citi® Diamond Preferred® Card because it has a % interest rate for the first year, with only a max late fee of $35.00. I have had other credit cards such as American Express charge me as much as 45.00 in late fees. I also like the fact that there is a 0 % balance Intro APR on Balance Transfers and Purchases for 18 months because it allows me to transfer high interest charges like from my Aamco card which is at a high interest rate of 29%. With this card it gives me the time time to buy down that high interest loan charge into one low rate for 18 months. I also like the idea that the carrier is nor responsible if the card is stolen and then used by the person who stole the card. I had my wallet stolen a few months back and my discover card did not waive any charges that were brought onto the card by the thief. Finally I love the fact that there is no annual fee because that frees up more of my money to spend on things I need or want unlike the Southwest credit card that demands their customer to pay an annual service fee. to add I also like that there is a 23 grace period because with the Bank of America credit card that do not allow you any grace period at least with Citi® Diamond Preferred® Card if i am a little late there is a little time to pay. Makes me feel like this credit card actually knows that real people own this card, that we are not robots who always remember to pay on time.
show more
show less
Comment
4
1
chris @knudlen
Report Abuse
3 Star Rating
The Citi Diamond Preferred Card is a solid card, but with nothing that makes it stand out from the pack. You need top level credit to even get the card, which makes it somewhat surprising there aren't bigger advantages to using it. The 18 month intro rate of 0% APR is the only thing that stands out as better than a typical credit card such as the Capital One Platinum Prestige card that I currently use, which has nearly identical features but isn't as difficult to get. If you qualify for it, it's a helpful card, but if you qualify for this you should be able to find a card that gives comparable interest rates with much better perks or rewards. At best this gives you an 11.99% rate after the introductory period which is nice but certainly not the best you could do.
show more
show less
Comment
1
0
Paula Flaquer @paula.flaquer
Report Abuse
3 Star Rating
We've had this card for quite a few years now, but it's mostly because we don't like to cancel credit cards unless we absolutely have to more than because it is so good. Basically, we've built up a nice big limit on it so it serves for booking large expenses like cruises, and the interest rate is not bad. As far as perks however, this card is pretty much the worst I've seen. They have the Citi Easy Deals which is pretty much a joke. In order to get any discounts, you mostly have to purchase something first and put up some of your own money. It comes off as another way for them to make money more than a way for me to get rewarded for my loyalty. Every other card I've had you can at least redeem points for cash. So I guess that's my main problem with it. Customer service isn't the best either, I've called once to ask questions about upgrading to a better card and they were audibly sounding annoyed and never mailed me the brochure I asked for. So that's that, if it wasn't because of credit repercussions we would've probably cancelled it by now.
show more
show less
Comment
10
2
Chris @sharkmops
Report Abuse
4 Star Rating
The Citi Diamond Preferred Card is a pretty good card, it is not one of my go to cards because I have some other good rewards cards that give great cash back, as this isn't one of them, it's hard to justify its use. Other than that, the no annual fee, and great customer service, not to mention decent rates and some other features the card offers makes this very attractive. It is kind of hard to get approved for though, and I'm not really sure why. Seeing as hard it is to get approved for it, you would think it would be better. But it is a good card though, if you can get it.
show more
show less
Comment
0
1
Shenika Konye @shenikak
Report Abuse
5 Star Rating
I have been very happy with this card. I have had it for at least 2.5 years and it has yet to fail me. My husband and I try not to use my credit cards very often, but when we do, this is the card we use. I used this card to transfer from another account because of the great balance transfer rate. The Citi protection/monitoring plans are a great plus, for, though I haven't had any issues to deal with, knowing that my information is being monitored gives me peace of mind. All in all, this is a great card, belonging to a GREAT company!
show more
show less
Comment
1
1
Melissa Glenn @melissa.b.glenn
Report Abuse
5 Star Rating
We are very happy with this card. We have had it for more than two year and it has become our primary card because of the excellent customer service and benefits. We originally chose this card because of the 18 months of no interest. We have transferred balances from our other cards because of the excellent promotional rates - 0%! That has saved us an enormous amount of money. The customer service department has called us several times to check on "unusual" charges which we greatly appreciate. One was actually a fraudulent charge being made from a foreign country. They immediately erased the charge and put a fraud notice on our account. I think we will definitely stick with this card for a long time to come!
show more
show less
Comment
3
1
Bill Ziola @billz1
Report Abuse
5 Star Rating
I'm pretty happy with this Preferred Card. I just keep it for emergencies really, but the few times I had to call customer service they were always polite and helpful, which is a BIG plus for me. I was even a month late on my payment one time, due to a family emergency situation, and they were extremely helpful in working with me (of course, I caught up as quick as I could and now after that experience, I realize how important it is to have a back-up plan, which is why I use it now only when I must, I don't want to ruin my credit and that experience came close to that. I'm so thankful to Citi Diamond for working with me!)
show more
show less
Comment
6
1
Diana Schara @chopperschara
Report Abuse
5 Star Rating
I am fairly new to the Citi Diamond Preferred card, but thus far I am very very pleased with it. I don't like to use a credit card if I don't have to but it is very nice to have a card with so many perks and a great interest rate and no annual fee! No interest for 18 months and also zero interest on balance transfers for that 18 months, makes a great tool in consolidating and paying off other cards. My Citi Diamond Preferred Card is accepted literally everywhere I shop and wonderful to have now for the holiday season. I am hoping to get down to just one credit card that I can use if I have an emergency or something else unexpected happening that was not budgeted for, and this card is helping me to do just that.
show more
show less
Comment
1
1
Jenn McCormick @jenn.mccormick27
Report Abuse
4 Star Rating
I have used a Citi Diamond Preferred card for over a decade. Through the years, I have raised the spending limit to more than I'd ever need to spend in a lifetime. I have transferred balances to this card during excellent promotions offered at different times of the year. I have never utilized any types of rewards system with this card, as I just don't use it often enough for purchases to make it account for anything. Interests rates for this card are great, as long as you make your payments on time and take advantage of the promotional percentages for transfers and things. I feel confident using my Citi Diamond Preferred Card, and have even been contacted by them once when I was on vacation to confirm that I was, in fact, the one using the card.
show more
show less
Comment
5
1
Bryan Thomas @bryan.thomas.739326
Report Abuse
5 Star Rating
I've had the Citi Diamond Preferred Card for over a year. The main perk of it is the no interest for 18 months when you sign up. It's accepted almost everywhere, and many places I've been to have specials for people who use a citicard to purchase something. As a more general statement about citi, when I pay a bill they have me cleared and the money withdrawn from my bank account in two days. Other credit groups I've dealt with can take up to a week to make withdraws. This isn't the case with Citi, so your credit limit will reflect this when you make a payment in only a couple of days.
In terms of card benefits, the rewards system is ok. The points go towards discounts on things at citi's rewards website (like 10 dollars off a 50 dollar gift card), so it's not bad. With that respect they are great.
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. When you click "Apply Now" you will be directed to the offering institution's website. In addition, keep in mind that actual rates and other information may vary for a number of reasons including the applicant's' creditworthiness and differences between an individual's situation and the criteria/assumptions used to generate the information displayed. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
Ad Disclosure: Offers originating from paying advertisers are noted as “Sponsored” at the top of this page. Advertising may impact how and where offers appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Irrespective of whether an offering institution is a paid advertiser, the presence of offer information on WalletHub does not constitute a referral or endorsement of the institution by us or vice versa. Furthermore, offers have not been reviewed or approved by the offering institution. Information is displayed first and foremost to help consumers make better decisions.
Editorial Disclaimer: Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by the issuer. In addition, it is not the issuer’s responsibility to ensure all posts and/or questions are answered.
