Citi
Citi Diamond Preferred Credit Card
Estimated value every year on typical spending
$312/ year
Every year, after the annual fee. No welcome bonus.
Based on a typical ~$2,600/month of spending. Points valued conservatively; confirm terms with the issuer.
Carry a balance? At 20%+ APR, interest usually costs more than any card earns.
Is it worth it?
With no annual fee, the Citi Diamond Preferred Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
The fine print
- Intro APR
- 0% for the first 18 months
- Regular APR
- 19.99% to 29.99% variable
- Foreign fee
- 3%
- Rewards paid as
- Cash back
- Approval
- Good credit recommended
- Redeem for
- Travel portal · Airline & hotel transfers · Statement credit · Gift cards
Rewards
- The Citi® Diamond Preferred® Credit Card does not earn rewards but offers benefits such as a low intro balance transfer fee and free access to your FICO® Score
Sign-up bonus
None
Best for
- Keeping costs at $0
Not ideal for
- Maximizers chasing category bonuses
Trade-offs: Better travel value ↔ less straightforward than cash back; No annual fee ↔ lower category bonuses.
Worth knowing
- Annual fee
- $0
- Intro APR
- 0% for the first 18 months
- Regular APR
- 19.99% to 29.99% variable
- Balance transfer fee
- 3% of each transfer ($5 minimum) for the first 4 months, then 5%
- $1200/mo on everyday spending earns about $144/year (1x).
Offer history
No changes to the fee, welcome offer or intro APR since we started checking this card daily on Oct 26, 2026.
Citi Diamond Preferred Credit Card: questions people ask
Is the Citi Diamond Preferred Credit Card worth it?
With no annual fee, the Citi Diamond Preferred Credit Card can't cost you money to hold, so the question is only whether another card would earn more. It's worth about $312 a year on typical spending.
What is the Citi Diamond Preferred Credit Card annual fee?
The Citi Diamond Preferred Credit Card has no annual fee ($0).
What does the Citi Diamond Preferred Credit Card earn?
The Citi® Diamond Preferred® Credit Card does not earn rewards but offers benefits such as a low intro balance transfer fee and free access to your FICO® Score.
What credit score do you need for the Citi Diamond Preferred Credit Card?
The issuer recommends good/excellent credit. Checking your matches on CardFit never runs a credit check.
Does the Citi Diamond Preferred Credit Card charge foreign transaction fees?
Yes: 3%.
Does the Citi Diamond Preferred Credit Card have a 0% intro APR?
0% for the first 18 months. After that the regular APR is 19.99% to 29.99% variable.
Compare Citi Diamond Preferred Credit Card
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- BarclaysBarnes & Noble Mastercard$180/yr · $0 fee
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- ChaseSlate Credit Card$312/yr · $0 fee
Card details are collected from issuer websites and were last refreshed October 29, 2026. Source: Citi product page. Terms change often; confirm them with the issuer before you apply.