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Citi Mastercard

Citi Diamond Preferred Card

The Citi Diamond Preferred is Citi's longest balance-transfer runway in this scrape: 0% intro APR for 21 months on balance transfers, plus 12 months on purchases, with no annual fee. It is more narrowly useful than Citi Simplicity because it has a penalty APR, late-payment fee, and returned-payment fee, but the lower APR range and longer transfer window make it a serious payoff tool. Like Simplicity, it earns no rewards and charges a 3% foreign transaction fee, so it should be chosen for interest savings rather than daily spending.

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Citi Diamond Preferred Card card art
  • Annual fee
    Free
  • Welcome offer
    0% intro APR for 21 months on balance transfers
    Purchases from account opening; balance transfers completed within 4 months.
  • Recommended credit
    700-780
    Median 710. See why →

Earning rates

This card carries no rewards program, so every purchase earns the same: nothing back in cash, points, or miles.

Benefits and credits

Lifestyle credits

  • Free FICO Score Access

Purchase and protection benefits

  • 24-Hour Fraud Protection
  • Mastercard ID Theft Protection

financing

  • 0% Intro APR on Balance Transfers for 21 Months
  • Citi Flex Pay

security

  • Citi Quick Lock

Pricing and fees

Full Pricing and Terms
Purchase APR
16.49% to 27.24%
Foreign tx
3.00%
Penalty APR (cap)
29.99%
Balance transfer
16.49% to 27.24%
Fee $5 or 5.00%, whichever is greater
Cash advance
29.74%
Fee $10 or 5.00%, whichever is greater
Late / returned
$41 · $41

Eligibility and application

  • Card type
    Unsecured personal card
  • Pre-qualification
    Soft-pull pre-qualification available
  • Application inquiry
    Hard credit inquiry on submission
  • Approval bureau
    Not disclosed by issuer
  • Authorized user fee
    Free
  • Reports AU to bureaus
    Yes
    Reports authorized user activity to the credit bureaus.
    Issuer policy
  • Welcome offer eligibility

    Offer is valid for new accounts only. Applicants must be at least 18 years old, or 21 in Puerto Rico, and reside in the United States or its territories. Eligibility is subject to Citi's final determination.

How the recommended credit score is derived

Reported by users, not disclosed by the issuer. Synthesized from community-reported approval data points and cross-checked against industry editorial guidance for consensus.

4 data points reviewed

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  • Wells Fargo Reflect Card card art
    Wells Fargo Reflect Card
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    The Reflect is Wells Fargo's long-APR card: 0% intro APR for 21 months on purchases and qualifying balance transfers, with no annual fee.

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Sources

Data current as of June 25, 2026 Report an inaccuracy

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Not financial advice

ccdeck is not a financial advisor. Information here is for educational purposes only. Confirm card terms with the issuer before applying.