Citi Diamond Preferred
An extremely basic credit card with no annual fee and a 0% intro APR on purchases and balance purchases, but also no rewards.
Your total savings: $40 over the next 5 years
View reward detailsRewards & Perks
Reward Highlights
- This credit card has no notable rewards.
Other Rewards & Perks
- Special access to events (via Citi Entertainment): Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for concerts, sporting events, dining experiences, and more.
- Identity theft resolution services: Access to identity theft services, if you feel you're a victim of identity theft. Assistance with identifying compromised accounts, filing police reports, and taking steps to get your good name and good credit back.
- Fraud protection: Your card transactions will be monitored for possible signs of fraudulent activity. (Depending on the credit card and issuer, this may also include a $0 liability guarantee for fraudulent transactions.)
- Account alerts: Stay on top of your balances and due dates by setting customer email or text alerts.
Rates & Fees
Summary of Rates & Fees
- No annual fee.
- APR on purchases: 14.74-24.74%. (0% for the first 18 months.)
- APR on balance transfers: 14.74-24.74%. (0% for the first 18 months on balance transfers that are completed within the first 4 months.)
- Foreign transaction fee: 3%.
Annual Fee: $0
Interest Rate (“Purchase APR”): 14.74-24.74% (0% for the first 18 months)
BT APR: 14.74-24.74% (0% for the first 18 months)
Balance Transfer Notes:
- To qualify for the 0% intro balance transfer APR, the balance transfers must be completed within the first 4 months.
- If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
Other Info
Date Introduced: 2004-07-20
Date Last Updated: 2021-02-10
Summary of Penalty Conditions
This APR will vary with the market based on the Prime Rate. This APR may be applied to your account if you: (1) Make a late payment or (2) Make a payment that is returned. How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.
✔ Low interest rate
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