RateHerald

Our illustration in the card’s colours, not its design

Citi credit card

Citi® Diamond Preferred® Credit Card

No annual fee. Purchase APR 16.74–27.49%, variable.

Checked Nov 1, 2026Updated

Annual fee
Purchase APR · variable
Foreign transactions
Credit asked
Good to excellent

Select an underlined figure to see where it comes from.

In dollars

What it’s worth

Yearly value in dollars: rewards and credits minus the annual fee, for three ways of spending. First year includes any welcome bonus.

SpendingValue against the feeFirst yearAfter
Light spender$0$0
Typical spender$0$0
Heavy spender$0$0
The spending each assumes, and what isn’t counted
  • Light spender: groceries $300, dining $100, gas $100, everything else $500 a month
  • Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250 a month
  • Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500 a month

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $300, dining $100, gas $100, everything else $500.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $600, dining $300, gas $200, travel $150, everything else $1,250.

$0a year

The same in the first year and after.

The spending this assumes

A month: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500.

Use your own spending

Estimates from the published terms above, as checked Nov 1, 2026; not advice. How we value cards

Against the market

How it compares

  • No annual fee, like about 85% of the 711 cards we track.
  • Lower top APR than about 40% of the 651 cards we track.

Other cards without rewards with no annual fee

Against this card, for our typical spender’s value (rewards and credits minus fees, after the first year).

Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method

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.
All 16 benefits
  • 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
  • Other

Every figure with its receipt

Rates and fees

Annual fee
Purchase APRvariable
Intro APR12 months from date of account opening
Balance transfer APR
Balance transfer fee
Cash advance APR
Cash advance fee
Penalty APR
Late payment
Returned payment
Foreign transactions
Grace period
Minimum interest charge

Before you apply

  1. Credit the issuer asks for: Good to excellent (issuer’s page).
  2. What the application asks: your name, address, date of birth, Social Security number (or ITIN), income and housing payment. By law the issuer must consider your ability to pay (Regulation Z, 1026.51).
  3. Your credit report: applying usually means a hard inquiry, which can lower your score slightly for a while. Some issuers let you check whether you’re pre-approved first without one. How credit reports work (CFPB)

Questions

What is the annual fee?
None · online.citi.com, since Oct 8, 2026
Does it charge a foreign transaction fee?
Yes: 3% of each purchase transaction in U.S. dollars.. · citi.com, since Oct 8, 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 from date of account opening. · online.citi.com, since Oct 2, 2026
What credit do you need?
Good to excellent · online.citi.com, since Sep 29, 2026
See it on citi.com

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