What does the Citi Diamond Preferred earn?

The Citi Diamond Preferred earns 1x on every purchase.

Is the Citi Diamond Preferred worth the annual fee?

The Citi Diamond Preferred has no annual fee, so there's no cost to keep it.

What credit score do I need for the Citi Diamond Preferred?

You typically need a 670+ credit score to qualify for the Citi Diamond Preferred.

Citi · Mastercard

Citi Diamond Preferred

Name: Citi Diamond Preferred
Brand: Citi

Offer verified 2026-07-27Source: Citi official terms

13 / 100

Annual Fee

Sign-Up Bonus

N/A

Base Rate

on everything

Best For

Long 0% balance transfer with a slightly lower ongoing APR than Simplicity

Pros & Cons

Pros

+ 21 months 0% on balance transfers with a 3% intro fee
+ No annual fee
+ Slightly lower ongoing APR range than most 0% cards

Cons

- No rewards — this card is for borrowing, not earning
- 3% fee requires transferring within the first 4 months (5% after)
- Few extra benefits

Rates and fees may vary.See current rates, fees, and terms on Citi's site

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Recommended credit score: 670+

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Is the Citi Diamond Preferred right for you?

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