Citi Diamond Preferred Card – How to Apply

Are you looking to pay off debt with a balance transfer or finance new purchases? The Citi Diamond Preferred Card could be a lifesaver. The card comes with a lengthy intro APR offer on both purchases and balance transfers, charging no annual fee. It gives cardholders with good to excellent credit a chance at a relatively low ongoing APR, which could make the Citi Diamond Preferred worth it for you.

Citi Diamond Preferred Card

The card’s long intro balance transfer APR is hard to beat and may make the card a good fit if you think you’ll need a long time to pay down your balance. However, you could save more by getting a card with a lower balance transfer fee instead and a long intro purchase APR. Plus, the card offers a limit on the way to long-term viability outside its somewhat low ongoing interest rate after the intro APR ends. This is actually due to its modest benefits and lack of ongoing rewards.

Citi Diamond Preferred Card

Hardly any balance transfer card provides a cash intro offer, and the Citi Diamond Preferred Card is no exception. Citi recently removed the card’s welcome offer statement credit after spending a certain amount of money in the first three months, leaving the Citi Diamond Preferred Card as one of the only dedicated balance transfer cards featuring a cash welcome offer.

The Citi Diamond Preferred Card’s main introductory offer is its current zero intro APR on both balance transfers and purchases as a card member. Balance transfers must be completed within four months of account opening.

Benefits of the Citi Diamond Preferred Card

Here are some key advantages of the Preferred Card:

  • Enjoy the benefit of no annual fee.
  • Take advantage of one of the lengthiest 0% introductory APR periods on balance transfers currently offered.
  • Benefit from a potentially low ongoing APR ranging from 15.24% to 25.24% for cardholders with good to excellent credit.

These features highlight the attractive perks that come with the Preferred Card, making it a noteworthy choice for those seeking financial flexibility and cost-effective options.

How to Apply for the Citi Diamond Preferred Card

If you don’t know how to apply, you don’t have to worry about that because, in this article, we will be providing you with the steps to do that. Here are the provided steps for you to easily apply for this type of Citi Card;

  • Make sure you connect to the internet.
  • Go to your web browser and search for
  • Tap on the “Apply Now” button.
  • Please provide the following information;
  • Your personal information.
  • Your address, phone & email.
  • Financial information.
  • Want to assign an authorized user to this account.
  • Please create a security word.
  • Finally, click on the “agree and submit” button.

You will have to continue with the onscreen prompt so you can complete your application.

Citi Diamond Preferred Card Activation

The Preferred Card Activation is very compulsory. What this means is that you cannot use the card unstill you activate the card and set it up, which you can use to access your funds anytime you want to make use of it.

Guidelines to Activate Citi Diamond Preferred Card

Activating your card is easy. Here are the steps to activate your card;

  • Make sure you are connected to the internet, open your web browser and go to the Citi website.
  • Enter your card number.
  • Click on the “Continue” button.

You will have to continue with the on-screen prompt to complete your activation.

How to Register for the Citi Diamond Preferred Card 

Procedures for registering an account with them.

  • Visit the website.
  • Please provide the following information.
  • Credit/debit card number.
  • Bank Account number.
  • Paycheck protection program loan account number.
  • Click on the “Continue Setup” button.

You will have to proceed with the on-screen prompt to complete your registration.

How to Log Into Your Account

Already have an account and wish to log in? Here are the provided steps for you to log in;

  • Make sure you are connected to the internet.
  • Type in on your web browser
  • Enter your user ID and password in their appropriate fields.
  • Click on the “Sign On” button.

Citi Diamond Preferred Card Account Forgotten Username/Password

Have you forgotten your username/password? Below are the provided steps to resolve your username/password issue

  • From the login page, click on the option you wish to recover or reset.
  • Kindly select one of the following based on the account associated with your user ID/password.
  • Click on the “Continue” button.

You will have to continue with the on-screen so you can select a new password or username and make your account work and active again.

Citi Diamond Preferred Card customer service

Are you having issues with your Citi account? You must contact Citi customer service to help you resolve it. If you want to contact Citi customer service, either by phone or online you will have to visit their website. On the website, scroll down and click on “Contact Us”.


The Citi Diamond Preferred Card emerges as an attractive option for individuals seeking a balance between financial flexibility and cost-effective benefits. With its standout features, such as an extended 0% introductory APR period, cardholders can take advantage of considerable savings on balance transfers. The absence of an annual fee adds to its appeal, making it a financially savvy choice.

Its commitment to providing cardholders with a potentially low ongoing APR, particularly for those with good to excellent credit, contributes to its overall appeal. The card’s emphasis on digital convenience, contactless payments, and robust security measures reflects a commitment to meeting the evolving needs of modern consumers. There is everything you need to know about the credit card; kindly let us know what you think. Please help us share with your social media friends.

Frequently Asked Question

What is a low intro APR balance transfer credit card?

Now, a low intro APR balance transfer credit card such as Citi offers an introductory period when new cardholders can pay low or even aero APR on balances that they transfer over from a different card.

What are the benefits of the Citi Diamond preferred card?

The card comes with all the benefits of the card, including a payment due date of your choice, 24\7 customer service, and zero liability for unauthorized charges.

What credit score do I need to qualify for a Citi Diamond preferred card?

It’s recommended to have a credit score in the good to excellent range to apply for the Citi card balance transfer credit card.

Is the Citi Diamond Preferred Card Hard to Get?

Yes, the Preferred Card is hard to get, as it requires good to excellent credit, meaning a credit score of 700 or better. Citi will also consider your payment history, credit utilization, and annual income to help determine if you qualify.

What Type of Card is Citi Diamond Preferred?

A low intro APR balance transfer credit card such as the Citi Diamond Preferred Card offers an introductory period time when new cardholders can pay low or even 5% APR on balances that they transfer over from a different card.

Does Citi Give High Credit Limits?

The Citi Double Cash Card Credit limit is about five thousand dollars, at a minimum. It could be a lot higher than that, depending on your overall creditworthiness, but Citi doesn’t disclose a maximum.

Is Citibank Hard to Get Approved?

In most cases, you need a credit score of at least 700 for a Citi credit card. What this means is that applicants for Citi credit cards need at least good credit to be approved.

Does Citibank Give Instant Approval?

Yes, Citibank does offer instant approval on its credit cards, but only sometimes. Instant approval is always possible when applying for a Citibank credit card online, though getting approved for an account immediately is never guaranteed.

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