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Citi® Diamond Preferred® Rewards Card

Consumer Reviews, Fees, Credit Score, Application & Best Alternatives


Updated: Feb 12, 2020
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Issued by Citibank (South Dakota), N.A., the Citi Diamond Preferred Rewards Credit Card is designed for those with good credit who plan to take advantage of offered thank You rewards program, low APR on purchases and 0% introductory rate.

ANNUAL FEE:

$0*

ONGOING APR:

See Terms (Variable)*

INTRO APR:

See Terms*

798 User Ratings Citi® Diamond Preferred® Rewards Card

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Introductory APR
See Terms*
Intro APR Period
See Terms*
Minimum Credit Score
Good*

Key Features


  • $50 gift card - Redeem 6,000 bonus points after $300 in purchases within 3 months of account opening
  • 0% Intro APR on Purchases and Balance Transfers and variable APR based on creditworthiness*. This APR will vary with the market based on the Prime Rate.
  • 5 ThankYou® Points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months, 1 ThankYou Point thereafter**
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • No annual fee*
$ 0 2020-12-02 OutOfStock

Our Take


We do not offer an application for this card. Please check other credit cards available for application. Citi Diamond Preferred Rewards Card is designed for consumers having good credit. It's a low-interest credit card charging no annual fees. A long term introductory Apr period applies towards balance transfers. Purchases are charged moderate interest based on the prime rate. Cardmembers are entitled to earn ...

We do not offer an application for this card. Please check other credit cards available for application.

Citi Diamond Preferred Rewards Card is designed for consumers having good credit. It's a low-interest credit card charging no annual fees. A long term introductory Apr period applies towards balance transfers. Purchases are charged moderate interest based on the prime rate. Cardmembers are entitled to earn rewards as they spend. Cardmembers are required to register in order to partake in the fee-free rewards program. Registered members earn a point per $1 spent on virtually every purchase. New cardmembers earn 5 points per $1 on everyday purchases throughout the first 12 months - everyday purchases include gas, drugs, and groceries. Points earned expire after a five year period and there's a 75,000 yearly limit.

Points gathered are redeemable through the Thank You network website or over the phone. Reward options are cash, gift certificates (which are not personalized), AT&T phone cards, merchandise, and an APR decrease charged to the card account. Fraudulent card purchases are more easily spotted with online account management. Cardmembers can keep track of card expenses, charges, bills, rewards earned and related transactions through financial statements available online. A year-end financial statement is also available on request. Unauthorized transactions earn zero liability.

Recurrent expenditure is handled easily through an automatic bill payment system. Bills such as phone, electricity, water, and other monthly bills can be scheduled for automatic payment each month. Cardmembers going on vacation are insured up to $1,000,000 provided they travel by air and charge related expenses to the card account. Air travelers on this card receive assistance when their luggage gets missing. Those who may encounter problems abroad can make use of a legal referral service. Rental cars are insured damage and loss. Cash and card lost or stolen are replaced on short notice.

Citi Diamond Preferred Rewards Card is for individuals having good credit. Using this card as a tool to earn rewards comes easier with lower interest and a flexible rewards program. Platinum benefits subject to qualification requirements are often available at no extra cost. If you have good credit and would like to ease the burden posed by another card charging very high interest, why not apply for one of these?


Pros

  • Long term 0% intro APR rate
  • Bonus points
  • Reward program
  • No annual fee

Cons

  • Minimum APR applied for cash advances
  • Yearly limit and expiration on reward points

Basic Information

Issuer: CitiBank
Network: Mastercard®
Category: Consumer (Premium)
Common Uses:
  • Low Interest Cards
Rewards: Yes
Reward Types:
  • Gas Reward Cards
  • Thank You Network Cards
Reward Units: Point
 

Rates & Fees

Introductory APR (%): See Terms*
Applied Towards:
  • Balance Transfer
Intro Period: See Terms*
Regular APR: See Terms
Regular APR Type: Variable*
Annual Fee: $0*
Balance Transfer: Yes*
APR on Cash Advances: 25.24%*
Grace Period: 20 days*
Late Payment Fee: $39*
 

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Non-Affiliate Offer Disclosure
*The information provided for Citi® Diamond Preferred® Rewards Card is believed to be accurate at the time of evaluation and has been collected independently by Market Pro Secure®. The card issuer did not provide the details, nor it is responsible for their accuracy.
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Min. Credit Required: Good*
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