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Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Rates and Fees

Citi® Diamond Preferred® Card

  • 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 18.24% - 28.99%, 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.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Regular APRAnnual FeeCredit Needed
18.24% - 28.99% (Variable)$0Excellent, Good

Offer Details

Acceptance Criteria
Credit Needed
Excellent, Good
APR Overview
Intro Balance Transfer APR
0% intro APR for 21 months on Balance Transfers
Intro Purchase APR
0% intro APR for 12 months on Purchases
Regular APR
18.24% - 28.99% (Variable)
Fees And Charges
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Annual Fee
$0
Rewards
Reward Type
N/A

15 Product Reviews

Scott Benson
Good but…..
1 week ago

The card itself has been great for me. I have had this this card almost 2 years and I was supposed to get my deposit back after 18 months and now they told me that I won’t get it back until February of 2025, I think that’s a bunch of BS . And I have completely paid off my card each month never carrying a balance. I had to call them to find that out too.

Mary
Credit Card
1 month ago

I have had no issues with this card.

Steve
Citi a joke
3 months ago

I was approved for a $500.00 limit. I have high 700’s credit score and have competing cards with $25,000 limits. Guess I will leave the Citi card in the safe.

James
Lighting
8 months ago

I had this Card SInce 2017 with a limit of 3200.00 .There are no rewards whatsoever. They Canceled my Card without warning. I never had received a credit increase at all. Nice black card however. Never again for me. Done with citi. My credit score is 808 now,and was over 700 when I applied. You'll get struck by lightning before a credit limit increase from them..

Joseph Jauregui
Why was I pre approved?
9 months ago

Credit Sesame said “Outstanding” chance and people with my credit profile usually get approved for $12k, so when I got a pre-approval in the mail I figured I have a 785 credit score so what the heck. Not only was credit sesame wrong, even with the pre-approval letter I was denied. I have an Amex for $15k and Case Sapphire for $9k both with 3% Utilization and NEVER a late payment, but I guess Citi just doesn’t want my business.

Joshua Parry
Love It
1 year ago

I Am New To Citi Got Approved $1000 Forgot I Had Discover Maxed Out Making My % 61% Paid It Off But I Guess Not Reported And Got Approved The Mail Said 631 Score Kinda New To Credit Hope This Helps Love It Already Citi To The Moon

CG
$16000 with 720 score (Vantagescore)
2 years ago

I am moving and so I needed to find a place. 2022 brought me a credit score that was in the 700s so decided to find a place that was more apartments.com instead of craigslist. First place I found, fell in love with it...especially since they don't charge for application fee, as well as storage and parking. My assigned parking was right next to the elevator so decided to apply. I was not only approved but my security deposit was halved instead of the full amount! Will be using that 0% APR now!

Tyrone Pullins
I'm done with it.
2 years ago

I had this card and was my first, I gave $200.00 secured deposit, and with constant before on time payments, So I qualified for this card got my deposit back, and never got a increase, so I requested a increase and they refused it, mind you by talking to them they praised me on my on time payments but would not give me a increase in my limit, even if they increased it from $200 to $500 it would have been cool, when they said no, I dropped Citi, cancelled my cards I'm done with it.

Catherine Smith
Great Card
2 years ago

August will be a year of having this card, I still owe $1200appox and called couple days ago they gave me an $1,800 increase ! very happy so far with Citi. I'm giving a 4 star because I can't tell the future yet on lowering APR so far I'm giving it a thumbs up!

Paul S.
Great card
4 years ago

Great card with a $4200 limit although the credit score that credit sesame shows me is lower then my actual credit score by about 40 % ?

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Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

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Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.