Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Eric Rosenberg, SlickDealsIf you’re looking for a balance transfer card with no annual fee that will help you consolidate and pay off credit card debt or make a big purchase interest-free, look no further. This credit card has everything you’re looking for. Just make sure to pay off those balances before the 0% period ends a...
- Ryan Smith, Danyal Ahmed, The Points GuyAvoiding interest for 21 months could help you reduce stress and save money if you have significant credit card debt. However, you will pay a fee to transfer your balance(s) to the Citi Diamond Preferred. Still, those looking to get out of credit card debt may be willing to forgo rewards and welcome...
- Jaclyn DeJohn, CnetThe Citi® Diamond Preferred® Card* features one of the longest introductory APR offers for balance transfers, but is marred by its higher-than-average balance transfer fee.
- Jason Stauffer, CNBCThere’s a lot to like about the Citi Diamond Preferred Card if you want to save on interest. It offers a stellar intro APR on balance transfers and has no annual fee. However, the card offers no rewards and has no intro bonus. While it has a good intro APR for purchases, if that’s what you’re lookin...
- Samantha Holland, Brett Holzhauer, AwardWalletThe Citi Diamond is a great choice if you're looking to get ahead on your finances or want flexibility in paying off purchases without the worry of mounting interest charges. However, a card like this should be used diligently, as interest-free spending shouldn't be an excuse to spend beyond your me...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
17.24% ‐ 27.99% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
17.24% ‐ 27.99% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
29.49% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$41.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | Yes |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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