Citi® Diamond Preferred® Credit Card
No annual fee. Purchase APR 16.74–27.49%, variable.
- Annual fee
- Issuer's pageciti.com
“Annual Fee — $0 .”
- Purchase APR
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
- Foreign transaction fee
- Issuer's pageciti.com
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | $0 | $0 |
| Typical spender | $0 | $0 |
| Heavy spender | $0 | $0 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- No annual fee, like about 100% of the 49 cards on our 0% intro APR list (see the list).
- Lower top APR than about 55% of the 50 cards on our 0% intro APR list (see the list).
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer's pageciti.com “Annual Fee — $0 .” |
|---|---|
| Purchase APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Intro APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Balance transfer fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Cash advance fee | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Penalty APR | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Foreign transactions | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
| Minimum interest charge | Issuer's pageciti.com The source states this figure; we have no exact sentence on file yet. |
Carrying a balance? See how long it takes to pay off
Benefits
- Citi Flex Pay allows eligible purchases of $75 or more to be paid over time with a fixed monthly payment.
- Free access to the cardholder's FICO Score.
- Citi Entertainment provides eligible Citi cardmembers special access to presale tickets and exclusive experiences.
- Citi Travel allows eligible cardmembers to book flights, hotels, car rentals and attractions, with access to more than 1.4 million hotels and resorts worldwide.
- Citi Quick Lock can instantly block new charges while allowing recurring transactions to continue.
- Cardholders may choose an available payment due date at the beginning, middle or end of the month.
- No fee to add an Authorized User.
- 24/7 customer service.
- Automatic account alerts for balances, payments and credit limits.
- Digital wallet and contactless payment support.
- Paperless statements and electronic communications.
- $0 liability for unauthorized charges.
- Citi's 24-hour fraud protection alerts cardholders to unusual account activity.
- Other
- Other
Questions
- What is the annual fee?
- $0 citi.com, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- Yes: 3% of the U.S. dollar amount of each purchase. citi.com, since Oct 2, 2026
- What is the purchase APR?
- 16.74–27.49% APR citi.com, since Oct 2, 2026
- Is there an intro APR?
- 0% for 12 months on purchases; 21 months on balance transfers completed within 4 months of account opening. citi.com, since Oct 2, 2026
- What credit do you need?
- Good to excellent citi.com, since Sep 29, 2026
Other cards without rewards with no annual fee
- AAA Daily Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AAA Travel Advantage Visa SignatureComenity Capital Bank · No annual feeabout the same
- AEO, Inc.Synchrony · No annual feeabout the same
Against this card, for our typical spender's value (rewards and credits minus fees, after the first year).