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.

Offer verified September 14, 2026Source: Citi official terms

Citi · Mastercard

Citi Diamond Preferred

Name: Citi Diamond Preferred
Brand: Citi

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

Apply on issuer site — Citi Diamond Preferred

Recommended credit score: 670+

Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure

Is the Citi Diamond Preferred right for you?

Enter your monthly spending and see exactly how much this card would earn you compared to 80 other cards.

Run your numbers

Already carry it? Add it to My Cards →

Written by Tim · Data verified against issuer terms · Last checked Sep 14, 2026 · Methodology v2026.09.1

Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.