Beta

Every feature is free during beta. No credit card, no catch.

Skip to content
RewardZ Travel
All Cards
Verified May 2026

Citi Diamond Preferred Card

Citi ThankYou
Citi|Business
/5
Annual Fee
$0
Sign-Up Bonus
No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer
Is this card worth it?
Annual fee
$0
Welcome offer
No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

View Offer

The Citi Diamond Preferred Card does not earn rewards and does not carry a welcome bonus. Its sole value proposition is one of the longest 0% intro APR offers on balance transfers in the U.S. market, 21 months on balance transfers and 12 months on purchases, both from account opening, with a $0 annual fee. The 'value' is interest avoided versus a typical 20%+ revolving APR on transferred debt.

Benefits and fees last verified May 2026against the issuer's published terms.

Important considerations

  • Charges foreign transaction fees

    This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Based on this card's terms last verified May 2026.

Citi Diamond Preferred Card

Citi

Not enough context

Not enough context to say

Nothing we know about this card and about you decides it either way. The unknowns below are the reason, and each one names what would settle it.

What we still do not know (3)

  • spend-categories
    Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.
  • held-cards
    Which cards are currently carried? Without that list we cannot say whether this one duplicates a card already held.
  • tracked-objectives
    Which trip is being saved toward? A tracked trip is what turns this card's currency into a concrete gap it could close.

Ecosystem fit

NO_TRANSFER_ECOSYSTEM

This card's rewards do not transfer to any airline or hotel program in our graph.

Portfolio overlap

HOLDINGS_UNKNOWN

We do not know which cards you hold, so we cannot say whether this one duplicates anything.

Saved-trip relevance

NO_TRACKED_OBJECTIVES

You track no saved trip, so there is no goal for this card to move toward.

Earn fit

ASK_SPEND_CATEGORIES

We need to ask before we can answer this

Which categories get the most spend each month, for example dining, groceries, travel or gas? We hold no category spending data at all, so we will not guess one.

We hold no category spending data for you, and we will not estimate one. Until this is answered, this card's earn rates are facts about the card, not a fit for you.

Verified economics

VERIFIED
$0 annual feeIssuer check 2026-08-19

No publishable welcome offer (no-current-offer).

  • Charges foreign transaction fees. This card adds a foreign transaction fee on purchases made outside the United States, so it is a poor fit for spending abroad. Carry a no foreign transaction fee card for international trips.

Computed 2026-08-25T22:26:47.732Z from the facts above. This is a request-time answer, not something we monitor for you.

Perks & memberships

1
  • ExperiencesCiti Entertainment: presale and exclusive ticket access for concerts, sporting events, and dining experiences

Travel & purchase protections

2
  • $0 liability on unauthorized charges
  • Mastercard ID Theft Protection (issued as a World or World Elite Mastercard depending on credit profile)
More benefits & fine print (4)Show
  • Choose your own payment due date from the available options to align the bill with your paycheck cycle
  • 24/7 Citi customer service
  • Citi Quick Lock to disable the card instantly from the Citi Mobile app
  • Apple Pay, Google Pay, and Samsung Pay support

Before you decide, weigh alternatives

This is already one of the lower-fee cards in its category. Compare it side by side to confirm it is the right fit for how you spend.

Compare cards side by sideBrowse all cards
How we verified this card (4 sources)Show

Spotted something off? Report an issue. Read our verification methodology.

See the Current Offer

Earn No welcome bonus; product is a 0% intro APR balance-transfer card with no rewards program

View Offer

Affiliate link, we may earn a commission. Terms, rates, and sign-up bonuses are set by the issuer and can change. See the issuer site and our advertiser disclosure.

Use this for a trip

Have a trip in mind?

Start a trip search to see how many points a specific award costs and how this card's welcome bonus and transfer partners help close the gap. Nothing is booked and no availability is checked.

Start a trip search
Affiliate disclosure: Some links on this page are affiliate links. We earn a commission if you click and complete a qualifying action (sign up, book, buy points), at no extra cost to you. We only feature offers we'd use ourselves. Full disclosure.