Offer value details
Citi lists Diamond Preferred as a balance-transfer credit card with intro APR periods on balance transfers and purchases, a $0 annual fee, and no rewards program.
Qualification requirements
Citi lists 0% intro APR for 21 months on balance transfers from account opening, with balance transfers completed in the first 4 months of account opening. Citi also lists 0% intro APR for 12 months on purchases from account opening.
Fees and costs
The rendered Citi pricing details list a $0 annual fee, no authorized-user fee, 16.49%-27.24% variable purchase and balance-transfer APRs after the intro periods, an intro balance-transfer fee of 3% of each transfer with a $5 minimum for transfers completed within the first 4 months, a later balance-transfer fee of 5% with a $5 minimum, a 29.74% variable cash-advance APR, penalty APR up to 29.99%, a $0.50 minimum interest charge, a 3% foreign-purchase fee, and a cash-advance fee of either $10 or 5% of the amount of each cash advance.
Availability
Citi says the offer may not be available if the user leaves the page, offers may vary, and the card is for new cardmembers subject to credit approval, additional limitations, terms, and conditions.
What to verify
- Balance-transfer fees apply and can reduce or outweigh the value of an intro APR period.
- After the intro periods, unpaid balances and new balances can accrue interest at the variable purchase or balance-transfer APR.
- Purchase interest can apply after a balance transfer unless the entire balance, including transferred balances, is paid by the due date each month.
- Citi says the Diamond Preferred card does not earn rewards, so this profile should be compared as an intro-APR card rather than a rewards card.
- The reviewed static page exposes numeric placeholders, so this public record keeps medium source confidence and relies on the normal-browser rendered page for current numeric terms.
Confirm current provider terms
Rates, rewards, fees, qualification rules, eligibility, and deadlines can change. Review the provider terms before applying.