Last updated: 10/2/2022

Citi Diamond Preferred

Earns: Cash Back

★★★★★

GigaTake:

If you want some time to pay off a balance, this card offers a 0% introductory APR for 18 months. But it doesn’t earn any points or cash back.

GigaPoints has partnered with CardRatings for our coverage of credit card products. GigaPoints and CardRatings may receive a commission from card issuers. However, opinions, reviews, analyses & recommendations are GigaPoints’ alone, and have not been reviewed, endorsed or approved by any of these entities. Read more here.

Pros

18 month 0% Intro APR.
No annual fee.

Cons

Earns no points or cash back.

See how the Citi Diamond Preferred compares to other credit cards

Citi Diamond Preferred Other Cards

Rewards

Show Rewards For:

Hover the dots to view other Credit Cards

Reward Rate = 0x

Value = 1 cent per point
Effective Value = 0 %

Welcome Bonus = 15,000

Value = 1 cent per point
Effective Value = $150

$1700

Annual Fee = $0

$695

Welcome Bonus

$150 Cash Back

After you spend $500 in 3 months

GigaInfo about Welcome Bonuses Welcome Bonuses 101 Article

Spending Rewards

0% All Spending

Is this card right for me?

That depends on your individual spending patterns. We have a tool that figures it out for you. Learn what you could earn.

Try the Analyzer now

0.4¢ PER POINT

2¢+ PER POINT

Annual Fee

Are Annual Fees Worth It?

The GigaPoints Guide to Credit Card Annual Fees Article

Recommended Credit Score

Average
Good
Excellent

These ranges indicate where your credit score should be before applying for a card. But we can’t guarantee that you’ll be approved for any particular card—that’s up to the issuer.

Use this card for…

You can earn more rewards by using different cards for different purchases. We built a tool that tells you which card to use, when. Just plug in your favorite brand, store, or category to find out which card pays the most.

Use the Best Card For tool

The Fine Print

INTRO APR FOR PURCHASES	0% for 12 months
INTRO APR FOR BALANCE TRANSFERS	0% for 18 months
PURCHASES APR	16.74% – 26.74%
BALANCE TRANSFER FEE	3% of each balance transfer; $5 minimum.
CASH ADVANCE APR	28.24% (Variable)
CASH ADVANCE FEE	5% of each cash advance; $10 minimum.
LATE PAYMENTS	Up to $41
FOREIGN TRANSACTION FEE	3%