what is the phone number on the back of card for customer service
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Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card
0% Intro APR
for 21 months on balance transfers from the date of first transfer.
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1,434Reviews74Q&AContact
APREditor ReviewQ&ACustomer Reviews
0% Intro APR
for 21 months on balance transfers from the date of first transfer.
Accepted Credit Scores
Accepted Credit Scores
Excellent Credit, Good Credit
Annual Fee
$0
APR on Purchases
0% intro APR for 12 months, 14.49% - 24.49% (V) APR after that
Balance Transfer
0% intro APR for 21 months, 14.49% - 24.49% (V) APR after that
Balance Transfer Fee
Editor's Take
by John Kiernan
May 10th, 2022
Citi Diamond Preferred Pros & Cons
0% intro APR for 12 months on purchases
0% intro APR for 21 months on balance transfers
$0 annual fee
5% (min $5) balance transfer fee
Foreign transaction fee
High regular APR
No rewards
Citi Diamond Preferred's Additional Info
| cash advance fee | 5% (min $10) |
| cash advance APR | 25.99% (V) |
| foreign transaction fee | 3% |
| smart chip | Yes, chip-and-signature |
| max late fee | $40 |
| max overlimit fee | $0 |
| max penalty APR | 29.99% (V) |
| grace period | 23 days |
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 14.49% - 24.49%, 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.
The standard variable APR for Citi Flex Plan is 14.49% - 24.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Citi Diamond Preferred FAQ
Don't see what you're 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.
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What would the interest rate be if you can write a check to yourself
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How can I pay my Citi Diamond Preferred card?
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Maria Adams
The easiest way you can pay your Citi Diamond Preferred card is either online or over the phone, by calling (800) 823-4086. Alternatively, you can pay your credit card bill through the Citi mobile app, at a Citibank ATM or via mail.
Here's how to pay your ... show more
Looking to see if I prequalify for this card
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Compare The Citi Diamond Preferred
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 12 months
Purchase Intro APR0% for 18 billing cycles
Transfer Intro APR0% for 21 months|Transfer Fee: 5% (min $5)
Transfer Intro APR0% for 21 months|Transfer Fee: 5% (min $5)
Transfer Intro APR0% for 18 billing cycles for any balance transfers made in the first 60 days|Transfer Fee: 3% (min $10)
Regular APR14.49% - 24.49% (V)
Regular APR15.49% - 25.49% (V)
Regular APR13.24% - 23.24% Variable
Rewards RateNone
Rewards RateNone
Rewards RateNone
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Citi Diamond Preferred Reviews
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3.6
1,434 reviews
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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!
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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!
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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!)
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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.
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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.
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.
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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.
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.
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5 Star Rating
I have had my Citi card for many years now. I would highly recommend this card to anyone that would like to take care of their finances without being hit with huge interest rates. My current interest rate is just under 11% WAY lower than any of my other cards! Best of all, I am continuously offered 0% interest for up to 18 months on balance transfers or cash advances, which a low 1 time fee of 3%. This card has been a great way for me to purchase products and take care of other high interest credit cards. If you have other high interest credit cards – open this Citi Card so that you can start saving on interest rates today!
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4 Star Rating
I have had this card for several years and have been very pleased with it. We use it for most of our daily purchases to accumulate rewards points which we redeem for gift cards. Usually once every couple weeks I will have enough points to redeem a restaurant gift card so that my wife and I can go out for a date. We also like to redeem gift cards for various retailers when the kids birthdays come along. I initially got the card for the 18 month Zero interest offer on balance transfers but ended up using it as my primary card for the Diamond Preferred Rewards program it offered.
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5 Star Rating
My Wife and I share our Citi Diamond card and it has been a blessing. We rarely use credit but this card was such a great deal with zero interest for the first 18 months. So when we had an emergency and needed the extra funds we had this card. It was there when we needed to have repairs done to our truck and allowed us to pay for something when it was needed and not just when we could scrounge up the money. The rates on this card are amazing and give us the means to actually pay off our debts without a ton of interest.
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5 Star Rating
I have had my Citi Diamond Preferred card for about nine months now. As a soon to be college graduate, I was initially drawn to the eighteen months interest free and the extra cash program Citi offers is a great perk as well, though a lot of the auctions tend to go higher than I would like. The customer service has been very helpful on the couple of instances I have had to call them as well. While I have yet to use the 24/7 concierge service, I have only heard positive things about it, and look forward to using it myself in the future. Overall, I would most definitely recommend this card to anyone who was interested.
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Offer last updated: May 10th, 2022 at 09:06 ET