Citi® Diamond Preferred® Rewards Card

Please review the credit card offer information below and click on "Apply Now" to learn more or apply for the Citi® Diamond Preferred® Rewards Card by filling out a secure online application.

0% APR* on balance transfers for up to 12 months
$50 Gift Card - Earn 6,000 bonus points after $100 in purchases made within 3 months of account opening
5 reward points for every $1 spent on purchases at supermarkets, drugstores and gas stations for 12 months; 1 point for every $1 on all other purchases
No annual fee and FREE rewards program
Citi Identity Theft Solutions
Price Protection Program

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed	Overall Rating
0%	Up to 12 Mons.	As low as 10.49%	None	Yes	Good Credit

Citi® Diamond Preferred® Rewards Card Review

Diamonds are judged by a set of rigorous standards. Depending on the stone’s cut, clarity, color, and carat (popularly known as the four C’s), it is either deemed valuable or considered flawed. Just because it’s pretty and it shines, doesn’t mean it’s necessarily a gem. Credit cards run an all too similar fate.

What makes a card a gem is when it cuts you a break or a great deal (cut…check), when its terms and conditions are clear-cut and straightforward (clarity…check), when it compliments you, and makes you look good (color…check), and, finally, when it proves that it can hold its own weight, anytime, anywhere (carat…big check). If we go by these standards, then Citibank’s Diamond Preferred® Rewards Card is one hot commodity.

This rewards card boasts some rather unique features, setting it apart from the rest. Most notably is the card’s flexible payment program, whereby cardmembers are free to choose when they pay their bills, whether it’s in the beginning of the month, the end of the month, or in the middle of the month; also, via the ThankYou® Network, cardholders are enrolled in a point rewards system that turn accrued points into gift cards, AT&T phone cards, electronics, dining, travel, passes to sporting events, and rebate credits on your account (now, that’s a gem of a benefit).

You will receive a grand bonus of 6,000 ThankYou points (redeemable for a $50.00 gift card) within the first 90 days of opening the account if you make at least $100 in purchases with your Citi® Diamond Preferred® Rewards Card. Over a 12-month period, whenever you buy gas, get groceries, or pick up items from the drugstore, you will receive five points for every dollar that you spend, and one point upon conclusion of the promotional period. General/outside purchases garner one point per dollar spent. Only 75,000 points can be accrued per calendar year, and points perish in five years.

Just as a diamond is the world’s hardest known natural substance, the Citi® Diamond Preferred® Rewards Card is, in the same way, unbending in its pursuit to make your life exceptionally rewarding, and worry-free. That is why Citibank has prepared this credit card offer with a number of security and fraud defense programs, designed to protect what’s yours. Programs include: a $0 liability clause on unauthorized charges, lost/stolen card reporting, emergency cash replacement, the option to include a personal photo on your card, price protection (if you buy something with your Citi card and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250.00, excluding Internet purchases), Citi® Identity Theft Solutions, purchase protection (most items purchased with your card are eligible for protection against accidental damage or theft for up to 90 days from the date of purchase), and free, secure online services, such as account management, automatic bill payments, and statement downloads.

Additionally, you are eligible for coverage of up to $1,000,000 in travel accident insurance, discounts on auto rentals, auto rental insurance, and a host of travel and accident assistance services that include legal and medical referrals, lost luggage support, emergency transportation assistance, and translation services. Other Diamond perks include an around-the-clock concierge service to help you with booking trips, making dinner reservations, getting a hold of hard to find tickets and special invitations to concerts, and more.

Enjoy an interest-free rate on balance transfers for one year, a $0 annual fee plan, a $0 charge for additional cardmembers, and a complimentary end-of-the-year financial statement. This card has a reasonably low interest rate for purchases in comparison to other rewards cards (as low as 10.49%). Note: cash advances carry a minimum cap of 19.99%, and some credit lines may be as low as $300.

Taking into consideration all the advantages and benefits that the Citi® Diamond Preferred® Rewards Card offers, it’s fitting that we add a 5th C to the 4 C’s criteria – Convenience. It is everything you need, everything you want…on one card.

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