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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 does have a penalty APR and does not advertise no late 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
    No fixed cash, points, or miles welcome bonus is disclosed on the captured issuer page. The headline acquisition offer is 0% intro APR for 21 months on balance transfers and 12 months on purchases.
  • Recommended credit
    700-780
    Median 710. See why →
0

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
Not disclosed · Not disclosed

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

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
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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 17, 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.