The Citi Diamond Preferred credit card offers one of the longest introductory APR periods on the market and a complete annual fee waiver, positioning itself as one of the smartest options for those seeking savings and control.
In addition, the trust of having the backing of Citibank, one of the most solid banks in the United States, brings more security to every transaction, whether online or in person. With it, you can make national and international purchases with full flexibility.
Want to understand why so many people choose Citi Diamond Preferred as an ally to make more informed decisions with their money? Continue reading to discover everything this card can do for you.
Meet the Issuer
Citi Diamond Preferred is issued by Citibank, one of the oldest and most respected financial institutions in the United States. Founded in 1812 as City Bank of New York, Citibank has a long history of innovation and customer service.
Today, Citibank operates in over 90 countries, offering a wide range of financial services, including credit cards, mortgages, personal loans, and commercial banking services. Its global presence allows it to serve a diverse clientele and provide financial solutions tailored to local needs.
Over the years, Citibank has solidified its reputation as a reliable and innovative bank, committed to offering products and services that make its customers’ financial lives easier.
Main Benefits of the Card
0% introductory APR for 21 months on balance transfers: This is undoubtedly one of the most aggressive offers in the credit card market. You can transfer debts from other cards and have 21 full months without paying interest, which represents a real chance to get your bills under control without pressure.
0% introductory APR for 12 months on purchases: In addition to helping with old debts, Citi Diamond Preferred also facilitates new purchases. During the first year, you can buy what you need with 0% interest on all transactions, which is great for anyone planning a renovation, a trip, or just wanting more control in their daily life.
No annual fee: Unlike many competitors, Citi Diamond Preferred does not charge an annual fee, which already represents direct and immediate savings. Even offering the features of a premium card, it saves you from paying just to have it in your wallet.
Access to Citi Entertainment®: With this card, you enter a world of cultural advantages. Citi Entertainment® gives you early access to presales for concerts, theater shows, and sports events, often before they are released to the general public.
Free access to your FICO® Score: Maintaining a good credit score is essential today, and with Citi Diamond Preferred, you get free access to your updated FICO® Score. This way, you can track your financial performance, identify areas for improvement, and even negotiate better credit terms in the future based on reliable data.
Identity theft protection: Security is one of Citi’s priorities. With this card, you get constant monitoring for potential fraud and real-time alerts. If any suspicious transaction is detected, you are immediately notified, and in the case of unauthorized use, the responsibility is zero for the cardholder.
24/7 emergency travel assistance: Lost your card while traveling or need urgent cash? Citi offers 24-hour global support, with fast card replacement and even cash advances in emergency situations. This service is a real differentiator for those who travel frequently and can’t afford to be stranded.
Free concierge service: For those who love convenience, Citi also provides a personal concierge by phone, ready to assist with restaurant reservations, event planning, gift shopping, and much more. It’s like having an exclusive assistant in your pocket, whenever you need it.
Citi Diamond Preferred Credit Card: Fees and Commissions
Citi Diamond Preferred offers a 0% introductory APR for 21 months on balance transfers and 0% APR for 12 months on purchases. After these periods, rates range from 14.74% to 24.74% APR, depending on your credit history.
There is no annual fee, which represents significant savings for the cardholder. However, it is important to be aware of international transaction fees and cash advance fees, which may apply.
The fees and conditions are subject to change without prior notice. It is recommended to check the updated information directly with the issuer.
Card Limit
The credit limit of Citi Diamond Preferred is determined based on the applicant’s financial profile, including income, credit history, and other relevant factors. Therefore, the amounts may vary significantly between customers.
For those who wish to increase their limit, Citibank offers the possibility of requesting a review after a period of responsible card usage. Maintaining a good payment history and using credit wisely are practices that contribute to approval.
Positive points
- Long introductory APR period:Makes financial reorganization easier without the pressure of immediate interest.
- No annual fee:Direct savings for the cardholder.
- Access to exclusive events:Additional benefits that enrich the user experience.
Negative points
- Rates after the introductory period:Interest rates may be high depending on the credit profile.
- Fees on international transactions:May not be the best option for frequent international shoppers.
- Limited rewards benefits:Does not offer cashback or points on purchases.
How to Apply for Citi Diamond Preferred Credit Card
- Visit the official Citibank website.
- Navigate to the credit card section.
- Select the Citi Diamond Preferred credit card.
- Click “Apply Now.”
- Fill in the form with your personal and financial information.
- Review the information to ensure its accuracy.
- Submit the application for review.
- Wait for the bank’s response, which may be immediate or take a few days.
- If approved, the card will be sent to your registered address.
- Once received, activate the card according to the instructions provided.
How to Contact Citibank
For inquiries or support, contact the following channels:
- Phone: 1-800-374-9700
- SAC: 1-800-950-5114
- Email: Available through the contact form on the official website.
- Online Chat: Visit the Citibank website and use the chat feature for real-time assistance.
The Citi Diamond Preferred credit card is ideal for those seeking savings, security, and financial control. Take advantage of the benefits and apply for yours now to transform your relationship with credit.
