Do you need a credit card for earning a long introductory 0% APR on purchases and balance transfers that can save you money? If yes, then Citi diamond preferred card is what you need to have at hand. To begin with, the Citi diamond preferred card issued by Citibank. It’s a Mastercard that allows you to earn a 0% introductory APR for 18 months on balance transfers and purchases.
On the contrary, Citi diamond preferred card does not earn you any rewards but its long introductory APR makes it stand out among other credit cards. Also, if you need to pay down debt or finance a large purchase, this card is a solid option for you as well.

However, Citi diamond preferred card is aimed at targeting those with an excellent credit score with a minimum score of 700. It offers 0% introductory APR on purchases for 18 months right from the day you create your account.
Afterward, your APR will be within the range of 14.74% to 24.74% based on your creditworthiness. For balance transfers, it also offers a 0% introductory APR for 18 months from the date of first transfer when you complete transfers within 4 months after opening your account. Afterward, your APR will be within the range of 14.74% to 24.74% based on your creditworthiness.
Besides, when you make a balance transfer, the amount charged is either $5 or 3% of the amount of each transfer, whichever is greater. As a result, this Citi diamond preferred is one of the best for balance transfers.
Benefits of Citi Diamond Preferred Card
If you are looking forward to paying off debt via balance transfer or finance new purchases, this card could be a lifesaver. With this card, you can enjoy exclusive access to buy tickets to several events. Such as presale tickets and exclusive experiences for the year’s most anticipated sporting events, concerts, and more.
- Citi diamond preferred does not charge an annual fee.
- It offers a long promotional introductory APR on purchases and balance transfers.
- It offers identity theft solutions in case you become a victim of identity theft.
- Citi diamond offers zero liability fraud protection which makes you not responsible for a charge that you did not authorize.
- As a cardholder, you can shop confidently knowing that you have dependable purchase protection.
- With your card, you can make contactless pay.
- As a cardholder, you can pay bills anytime convenient for you. You can choose to pay at the beginning, middle, or at the end of every month.
- You’ll enjoy 24/7 customer service.
Undoubtedly, the main benefit of this card is its long promotional APR on purchases and balance transfers. On the contrary, this Citi diamond preferred does not offer any rewards program which drastically reduces its long-term value.
How to Apply for Citi Diamond Card
Applying for Citi diamond preferred card is quite easy and can be done within few minutes. As I said earlier, Citi diamond preferred is targeted at those with excellent credit.
Thus, you need to have a minimum FICO credit score to apply and get approved. Hence, you can follow the steps below to make your application.
- Launch a web browser preferably Google Chrome and visit Citi diamond preferred card official website.
- On the homepage, click on the blue apply now button.
- Then you will be shown on the application page.
- Enter your first name, middle name [optional], last name, suffix [optional], home address, social security number, date of birth.
- Country of citizenship, mobile phone number, email address, security word hint, and security word.
- Financial information – total annual income, monthly mortgage/rent payment.
- Then click on any of the following accounts you have: checking, savings, and money market.
- You can add an authorized user to your account if interested.
- By clicking on the box below, read and accept the terms and conditions.
- Finally, click on the Agree & Submit link.
By following the steps above carefully, you can apply for this card without any stress. Indeed, Citi diamond card 0% promotional introductory APR on balance transfers and purchases is very difficult to withstand by other credit cards.
Citi Diamond Credit Card Login
Meanwhile, if you already have a Citi diamond preferred card with you, you Login to manage your account online. If you visit Citi bank’s official website. You will see a “Sign in” link which you can use to access your account online. Logging in your account is very simple and can be done by following the guidelines below;
- Visit Citi’s official website using the link above.
- At the top right of the homepage, click on the “Sign in” link.
- On the next page, you will see the login page placed on the right-hand side.
- Enter your user ID in the first field.
- Then enter your password on the second field.
- Lastly, click on the blue “Sign in” button.
Once you login to your Citi diamond preferred card account, you will be able to manage your account online. When you log in, you can view your statement, balances, make bill payments, and check out other cad features.