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Review of the Citi Diamond Preferred® Card

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Brendan Harkness By Brendan Harkness Aug 22, 2015 | Updated Oct 01, 2019
Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 15.24%–25.24% Variable

The Citi Diamond Preferred® Card is one of your best options for paying off big purchases or balances, providing one of the longer 0% introductory periods on the market.

You’ll pay no interest on purchases or balance transfers for 18 months, letting you stretch out your payment period for well over a year without paying that extra percentage.

There are no rewards, like points or cash back, for spending with this card.

You will get some nice extra benefits, however, like a personal concierge line, access to discounts and special experiences, and shopping protections.

Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

Our rating
Min. credit levelGood
Annual Fee$0
Regular APR15.24%–25.24% Variable
Apply Now

securely on the issuer's website

The information related to Citi® Diamond Preferred® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

Logging In To Your Account

Once you’ve been approved for this card, you can log in to your account at If you have more than one Citi card, you’ll be able to select the one you’d like.

You’ll see all of your account details, and a variety of options to view your finances, manage your account, redeem rewards, and request services.

Logging in to your Citi card.

Logging in to your Citi card.


Viewing your account details, for multiple Citi cards.

Viewing your account details, for multiple Citi cards.

The Rewards

You won’t earn any points or cash back for normal spending with this card. Instead, the real value of this card comes from the extra-long introductory period and the benefits, which you can see below.

Insider Tip: You won’t usually earn rewards when you shop with this card, but you will have access to special point offers and discounts through the Citi® Easy DealsSM program, described below.

Looking for a credit card you can earn points or cash with? Click here to learn all about and browse Rewards Credit Cards.

The Benefits

Account Management

Choose Your Payment Due Date: A minor benefit, but a nice touch. You can choose the beginning, middle, or end of the month for your due date.

Automatic Account Alerts: Set up alerts to be notified about account information, like payment due dates and balance levels. You can be alerted by email or phone.

Citi® Identity Theft Solutions: If you become a victim of identity theft, Citi will help you take the necessary steps like identifying compromised accounts and filing police reports.

$0 Liability On Unauthorized Charges: You won’t be held responsible for fraudulent charges to your account.

Chip-and-Signature EMV Technology: This card is EMV-enabled with Chip-and-Signature technology, which provides a higher level of security and better accessibility when shopping in foreign countries.


Personalized 24/7 Concierge Service: Provides non-emergency assistance for a wide range of tasks and services, like booking travel and hotel accommodations, finding tickets or rare items, or information about new places you might visit. You can access the concierge by calling 1 (800) 741-5359.

Citi® Easy DealsSM: Visit to find exclusive deals at participating retailer, which include points and/or discounts at participating retailers, restaurants, and for certain travel expenses.

Citi® Private Pass®: Cardholders can visit the Private Pass website to find invitations to exclusive music, dining, and sports experiences, some of which are completely free. These include pre-sale and preferred tickets, discounts and complimentary services while dining, invitations to basketball training camps and private sports viewing parties, and more.


Purchase Protection: Provides coverage on items you buy against damage and theft, up to 90 days after the date of purchase. Coverage is up to $1,000 per item, $50,000 per year.

Extended Warranty: Adds up to 24 months on a manufacturer’s warranty of 5 years or less. Provides coverage up to $10,000 per item.

The Costs & Fees

Annual Fee Intro Purchase APR Intro Balance Transfer APR Regular Purchase and Balance Transfer APR Cash Advance APR Foreign Transaction Fee
$0 0% for 18 months 0% for 18 months 15.24%–25.24% Variable  26.74% Variable 3%
Penalty APR Late Fee Returned Payment Fee
Up to 29.99% Variable Up to $39 Up to $39

The Bottom Line

This card does one thing, and it does it well. If you’re looking for a long 0% APR period for both purchases and balance transfers this card will be tough to beat.

Use this card to pay off big purchases over time at no extra cost, or transfer a balance from a card with higher interest to pay it off at a 0% rate.

Just be sure to always make your payments on time, or you could lose your 0% rate and incur the penalty APR instead. This would totally defeat the purpose of this card, so make it a priority to use this card responsibly.

Don’t forget about the extra perks either. Take some time to browse the offers you’ll find in the Easy Deals and Priority Pass programs, and keep the personal concierge in mind for whenever you have a task that could be outsourced to them, like finding a great restaurant or the best deal on a big purchase.

How do you use the Diamond Preferred card? Do you like it? Click here to leave your own review of the Diamond Preferred card for other visitors, we’d love to hear from you!

If you’d rather have a credit card that provides points or cash back for purchases, check out how Rewards Credit Cards work.
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The information related to Citi® Diamond Preferred® Card has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.

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