Apply Citi® Diamond Preferred® Card
To apply for the Citi® Diamond Preferred® Card, you must complete the application on the Citibank website. The online process is the quickest method and often provides an instant decision. The card is designed for individuals with good to excellent credit who want a long introductory 0% APR period, particularly for balance transfers.
How to apply online
- Click "Apply Now": Start the secure online application by clicking the "Apply Now" button.
- Fill out the application: Complete the form with your personal and financial information. Ensure all details are accurate to avoid delays.
- Review and submit: Carefully review the terms and conditions, including the balance transfer fee and the variable APR that applies after the intro offer.
- Get a decision: After submitting, you may receive an instant decision, or Citi may need more time to review your application.
Key card features
- Introductory APR: The Citi® Diamond Preferred® Card is known for its long 0% introductory APR on balance transfers for 21 months and on purchases for 12 months from the date of account opening.
- No annual fee: The card has a $0 annual fee.
- Balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Want to Estimate Your Citi® Diamond Preferred® Card Balance Transfer Savings?
Use our Citi® Diamond Preferred® Card Balance Transfer Calculator to estimate how much interest you could save by transferring your balance—including the 0% intro APR for 21 months and balance transfer fees.
Want a deeper breakdown of how the 21-month balance transfer offer works? Read our full guide here.
Citi® Diamond Preferred® Card
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
- No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Get free access to your FICO® Score online.
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FICO® Credit Scores
A FICO® Score is a proprietary credit score created by the Fair Isaac Corporation (FICO). About 90% of top U.S. lenders use it to make lending decisions.
FICO® Score Ranges:
- Exceptional: 800–850
- Very Good: 740–799
- Good: 670–739
- Fair: 580–669
- Poor: 300–579
FICO categorizes scores as Poor, Fair, Good, Very Good, and Exceptional.
What is a Credit Score?
A credit score is a three-digit number (300–850) predicting your creditworthiness. Lenders use it to evaluate risk and determine rates and terms for credit.
Why it matters: A higher score can help you qualify for loans and lower interest rates. A lower score can lead to higher borrowing costs or application denials.
FICO® Credit Score Facts
- Three-Digit Number: Summarizes your credit risk.
- Range: 300–850; higher scores = lower risk.
- Data Source: Uses your credit reports from Experian, Equifax, and TransUnion.
- Industry Standard: Lenders rely on FICO for mortgages, auto loans, and credit cards.
Note: Credit scores reflect your creditworthiness but do not guarantee approval for any credit product.
Security Notice: All participating issuers use secure application systems protected by Transport Layer Security (TLS) encryption to help protect your information.
*See the online credit card applications for details about terms and conditions of credit card offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the " Apply Now " button you can review the credit card terms and conditions on the credit card issuer's web site.
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