Citi® Diamond Preferred® Card - MasterCard

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Citi® Diamond Preferred® Card - MasterCard
Required Credit Score: Excellent
4 433 reviews   Write a Review!
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Citi® Diamond Preferred® Card - MasterCard's Rewards

This card does not offer rewards.

Citi® Diamond Preferred® Card - MasterCard's Key APRs & Fees

Intro Rate on Purchases
0% for 18 months
Intro Rate on Transfers
0% for 18 months
Regular Rate
11.99% - 21.99% (V)
  • ANNUAL FEE $0*
  • BALANCE TRANSFER FEE 3% (min $5)

Citi® Diamond Preferred® Card - MasterCard's Additional Info

  • MAX LATE FEE   $35
  • MAX OVERLIMIT FEE   None
  • MAX PENALTY APR   29.99% (V)
  • GRACE PERIOD   23 days
  • ONLINE RESPONSE   No
  • CASH ADVANCE RATE 25.24% (V)
  • CASH ADVANCE FEE 5% (min $10)
  • FOREIGN TRANSACTION
    FEE  
    3%
  • Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • Citi® Easy Deals℠ Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.
  • Let our 24/7 concierge service help book your hotel rooms, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*.

Citi® Diamond Preferred® Card - MasterCard Reviews

 
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4.0
Overall Rating: 4.0 / 5
Total Ratings: 433
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Jul 16, 2014
Photo of Kate M.
3
By:
There is nothing particularly outstanding about this card. It doesn't offer perks to sign up and the APR is comparable to those other cards.
Jul 9, 2014
Photo of Victor D.
3
By:
Citi always has pretty solid credit cards and they did it again with this one The Citi Diamond Preferred card is a good credit card if you are look for the basics a good APR, no annual fees. although this is a good card when looking a the base line there is no rewards program for the credit card which might have you back off since most cards now a days have some sort of rewards program may it be point based or even cash back. overall though a decent card.
Jun 20, 2014
Photo of Israel T.
5
By:
I just got approved (6/20/14) of my first ever citi card (citi diamond preferred card) with almost $11k credit limit. With 18 months 0 balance tranfers and purchase fees. Approval took less than 60 seconds.
Jun 2, 2014
Photo of Kali B.
3
By:
While the 0% intro APR on Balance Transfers is great for someone switching over from a high rate card, the fact that this card has no rewards is a major drawback. As someone who travels a lot and puts high dollar purchases on my credit card, rewards of some kind is a must for me. The $0 liability on fraudulent purchases is also a must and a feature of this card.
Apr 24, 2014
Photo of Dan M.
5
By:
The City Diamond Preferred Card has a fantastic introductory interest rate. I use the Capital One Quicksilver cash rewards card regularly, and I have to say that 18 months at 0% interest sounds very appealing right now since the Quicksilver card only offers one year. Couple that with no annual fee and a 3% balance transfer fee, and this is the ideal card for someone looking to pay down their credit card debt. The fact that cardholders are not liable for unauthorized transactions is very comforting as well. Even though this card doesn't offer cash rewards like the Capital One Quicksilver card, I still think this card is highly preferred more
Apr 8, 2014
Photo of Corey B.
3
By:
The City Diamond Preferred Card has an excellent intro rate on purchases! And the City Easy Deals program looks pretty sweet. Also the City Identity Theft Solutions would give me peace of mind about carrying and using this card for my purchases. The late fee and balance transfer fees are kind of high, but I can live with that to qualify for this card.
Apr 4, 2014
Photo of John H.
3
By:
The Citi Diamond Preferred Card is a good card for a person just starting out. It has no rewards so that kinda sucks but it does feature 0% interest for the first 18 months which is great for beginners.
Mar 27, 2014
Photo of Robert M.
4
By:
I have had the Citi Diamond Preferred Card for about a year, and at best I can say that the card is okay. I think that the customer service is good, but I expect that from a credit card. I also have a Chase Freedom card, and I am able to speak with a service representative at any time. The single best benefit to this card is the very generous 18 month 0% interest rate. I had to pay for several months of health insurance premiums while I was between jobs and was able to take advantage of these 18 months, which was perfect for me. However, there is a more
Mar 25, 2014
Photo of Ray F.
5
By:
I recently got the Citi Diamond preferred card and it my new favorite credit card for my business transactions. Although the card doesn't earn any rewards or bonuses the introductory rate of 0% for the first 18 months is just to good to pass up. All purchases and transfers made in the first 18 months will have a 0% APR, This is particularly useful for someone such as my self that has a business in which they purchase materials for projects often. The absorbent rates i was being charged on these purchases was really eating into my profits, this card eliminates these fees which means more profit for my business more
Mar 20, 2014
Photo of Scott S.
3
By:
The Citi Diamond preferred card seems like a decent card to sign up for. I have had some ridiculous deals from other companies in the past so this one is definitely one of the better options. The Intro rate of 0 percent for 18 months is excellent, most companies i've dealt with only offer the 12 months. So having an extra 6 months at 0 percent is great. The grace period of 23 days is also a nice feature, my past cards have had slim to no grace periods. The only thing I see an issue with might be the 3 percent balance transfer, I've had lower with most of my cards.
Mar 10, 2014
Photo of Allie B.
4
By:
The 0% intro rate of this card is a huge plus if you're just starting out. A lot of the features, like the regular rate and the grace period, are normal, but the late fee is a bit high, so this card would be best for someone with careful money handling.
Feb 10, 2014
Photo of Michael M.
2
By:
The late fee is pretty high. Chase offers lower late fees, and also you can call Chase to have a refund on the late fee. Also, I can't believe there is no online response? That seems a bit odd in this day and age. The cash advance fee is also very high! Chase offers a much lower cash advance fee. It seems like this City card is not worth it. On the bright side, there is no max over limit fee.
Jan 27, 2014
Photo of Marc L.
2
By:
I have used the Citi Diamond Preferred card in the past and reading over this new offering I cannot honestly say it is significantly better or different than it was some years ago. For example: 0% for 18 months on purchases is pretty much the way most cards are these days. Most all card companies like doing mainly to entice consumers into using the card (hopefully excessively) and waiting to see if the customer forgets (or cannot pay back it all) later when the rate goes to the much higher rate (in this case between 12% and 22% APR). What rate you get will depend on what your credit scores more
Dec 27, 2013
Photo of Jeff C.
4
By:
Citi Diamond preferred card really is a good card for people that mainly use citibank like myself. There is no annual fee for this card which is a huge bonus for people like me. Also, it gives the owner access to presale tickets,VIP seating and much more. Overall, the card simply tops any other cards i have right now and the past. I will definitely recommend it to people.
Dec 11, 2013
Photo of Frank O.
2
By:
This card seems okay, but not the best. Besides the fact that there are absolutely no rewards offered, the transfer fee and interest rate is quite high, as well as the standard interest rate. I want my card to be working for me and this one does not.
Dec 8, 2013
Photo of Greg K.
4
By:
The 0% APR for the first 18 months and long-term interest rates are attractive compared to most other offers and the concierge service is a plus. However, the Citi Diamond Preferred lacks the lucrative rewards programs that most of today's cards boast. This card is especially attractive to recent graduates needing a credit line without the interest rates until steady pay comes in, though consumers looking for a card to use everyday to rack up points may want to look elsewhere.
Dec 5, 2013
Photo of Ashley F.
4
By:
The Citi Diamond Preferred Card doesn't seem to have a high interest rate or an annual fee which is a good thing. If I were looking for another credit card I'd go with this card simply because there is no interest rate for the first 18 months.
Nov 25, 2013
Photo of Krystal M.
4
By:
The Citi Diamond Preferred Card is really a step above the rest. The first 18 months you get a 0% interest rate and after your first 18 months, your interest rate will only be between 12% and 20%. This interest rate is great compared to other cards! Their cash advance rate, along with their fees, are about average. The card also offers you access to online discounts, which could be as good as some companies reward programs. They even offer concierge services, presale tickets, preferred seating, VIP packages, and entertainment experiences. The perks on this card really outweigh a lot of competitors! For someone who goes to sporting events, concerts more
Nov 21, 2013
Photo of Jester C.
5
By:
One might initially shy away from the Citi Diamond Preferred Card because it does not have a listed rewards program, but a shrewd financial planner will be able to use the other outstanding features of this card to potentially earn or gain more than any rewards card could offer. As budget appealing as just about any of the top rated credit cards available on the market. The card first of all offers a year and a half time frame of free interest on all purchases including balance transfers. Although the standard 3% fee is attached to transfers, allowing 18 months to erase these balances is truly enticing. After the introductory more
Nov 16, 2013
Photo of Braden B.
4
By:
First thing I always notice about credit cards, the annual fee. With the Citi Diamond Preferred card, there is no annual fee. Perfect! Also, the interest rate can be pretty good, with the lowest end being in the 12% range. That is good compared to some of the other cards, which normally have around 18%. This card does not have any rewards, which is why I took one star away from it. I do like how it gives your priority access to presale tickets to a number of different events. Very cool! I would say if you have the opportunity to get this card, I would not pass up on it.
Nov 8, 2013
Photo of Sean P.
4
By:
The Citi DIamond preferred card which was offered through my bank wasn't bad. Although my fiance was the one who primarily used it she was able to build her credit with this card. I would call this a "beginner's card" and I wouldn't recommend you use it forever because of the steep interest rate. It was very comparable to the Matrix Card that I was using at the time. Thanks to Citi Bank we're on our way to both building our credits with this card so we can eventually buy a house.
Nov 6, 2013
Photo of Jane S.
4
By:
I have The Citi Diamond Preferred Card.It does have Concierge service which Is its only perk. It is what I call my emergency card. It is the card I keep in my wallet for that unplanned purchase I need to make. You never know what will come up with kids (especially boys). I chose this card over another when opening it because of the lower rate I was offered. I was offered the lowest 12% rate, however I read the fine print and the rates can be quite high if your credit is a bit blemished or you want a cash advance. But why not just charge the stuff you more
Nov 5, 2013
Photo of Richard T.
3
By:
The Citi Diamond Preferred card is a solid but unremarkable credit card. At its lowest interest rate of 12% it's a good value, but that interest rate can scale up as high as 22% depending on credit rating. The introductory rate of 0% for 18 months and the lack of an annual fee make it a good, but not outstanding card. With no rewards program to really make it stand out and incentivize use , the only perks really seem to be the concierge service offered with the card and the opportunity to access pre-sales at certain events, which are not enough to make it stand out from the crowd.
Oct 29, 2013
Photo of Jason L.
5
By:
The Citi Diamond Preferred credit card is an excellent card. It's a straight forward card with some simple benefits added in. Unlike a lot of cards the Citi card doesn't have a million little ways to earn extra pennies and then gouge you with high interest rates. It's just a credit card with a low interest rate of 12 percent and some convenient services. It does have the standard high interest rate of 25 percent for cash advance but that's the only bad thing about it. It's nearly identical to my Bank of America Premium card except the Citi card offers a few services to its members. The concierge service more
Oct 27, 2013
Photo of Alexis B.
4
By:
I love my Citi Diamond Preferred Card. Personally, I am a die hard Citi fan and my loyalty to them runs deep so it would only be natural to gravitate toward this card. I was approved several years ago and have used this card for all sorts of purchases--travel, food, gas, shopping. There is no annual fee which was appealing to me, and not to be petty but the card looks pretty neat being black! They also have a 24/7 concierge service which really comes in handy. Their 18 month intro rate of 0% APR is what makes it stand apart from other cards, like the Capital One Venture Rewards Card. Highly recommended!
Oct 24, 2013
Photo of Alexis R.
4
By:
I've had my Citi Diamond Preferred Card for years. I actually never use it, I used it for a 1% balance transfer ages ago and I've just been paying it off ever since. In that time, a couple things have impressed me. When my card was stolen, I forgot to change the account number with my bank where the bill was being paid automatically. As a result, my payment was late. Citi was within their rights to charge me a late fee and to raise my interest rate. But when I called and explained the situation, they immediately refunded the late-payment penalty and assured me that my interest rate would more
Oct 21, 2013
Photo of Bela K.
5
By:
I love the Citi Diamond preferred card. It has many great perks and offers. I have overall good credit and am not sure if it's right for someone who is just beginning to build their credit, but I love it so far. They have a long drawn out intro period, which is hard to come by these days and the rate for that intro period is ZERO! I was so happy to hear that. This counts towards purchases and balance transfers. The cons of this card are hard to come by. I would recommend this to anyone. Have fun shopping with Citi!
Oct 12, 2013
Photo of Jeremy A.
4
By:
Citi Diamond Preferred is a card that is basically built specifically for balance transfers. This card comes with a pretty 18 month 0% APR intro rate for both purchases and balance transfers, that's longer than most cards which usually only have a year. It also has other perks such as the concierge service and Private Pass for your favorite shows. The only thing this card lacks is a viable rewards service, though you can still gain points from certain purchases toward discounts.
Oct 3, 2013
Photo of Rob D.
5
By:
The Citi Diamond Preferred Card is a great credit card. It's probably my favorite one I've seen in a while. The 0% Intro APR on Balance Transfers and Purchases for 18 months is just awesome. I would never choose a card with an annual fee I don't understand why anyone would choose a card with an annual fee when there are cards this great out there with no annual fee. The 24/7 concierge service has come in handy more than once, its an amazing feature. Also, after the 18 month 0% APR the 11.99% - 21.99% really isn't bad either if you ask me. All in all i give this more
Sep 27, 2013
Photo of Janet P.
5
By:
The Citi Diamond Preferred Card is my favorite credit card out of all the ones I currently own and use. I get 0% APR on every single purchase that I make in the first eighteen months that I use the card and after that they STILL offer some of the lowest interest rates around. The rates on the cash transfer option as well as the cash advance option are the lowest you will find. I have used this card for months now and it is always the first one that I reach for. The access to presale tickets, preferred seating, VIP packages, as well as other rewards is my favorite more
Sep 18, 2013
Photo of Francine C.
4
By:
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 more
Sep 12, 2013
Photo of Chris M.
3
By:
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 more
Sep 6, 2013
Photo of Paula F.
3
By:
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 more
Aug 22, 2013
Photo of Chris M.
4
By:
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 more
Feb 11, 2013
Photo of Shenika K.
5
By:
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!
Feb 1, 2013
Photo of Melissa G.
5
By:
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 more
Jan 18, 2013
Photo of Bill Z.
5
By:
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 more
Dec 14, 2012
Photo of Diana S.
5
By:
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 more
Dec 7, 2012
Photo of Jenn M.
4
By:
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 more
Nov 30, 2012
Photo of Bryan T.
5
By:
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 more
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Last updated on: Jul 16th, 2014 at 6:43 EDT