Citi Diamond Preferred Credit Card
The Citi Diamond Preferred Credit Card has no annual fee and does not earn rewards 1. Citi lists $0 liability on unauthorized charges, free FICO Score access and Merchant Offers among its benefits 1.
Contents7 sections
At a glance
| Annual fee | $01 |
|---|---|
| Foreign transaction fee | 3% Of the U.S. dollar amount of each purchase1 |
| Rewards | Does not earn rewards. |
| Network | Not stated by Citi |
| Authorized users | No fee1 |
| Issuer | Citi · Official card page |
What to know about the Diamond Preferred
Citi presents the Diamond Preferred as a balance transfer card that does not earn points or cash back 1. Because purchases earn nothing, what the card offers depends mainly on the balance transfer terms in force when someone applies, which Citi sets out in the card's pricing disclosures 2.
Its ongoing benefits are account features. Citi says the card comes with a payment due date of the cardmember's choice, 24/7 customer service and $0 liability for unauthorized charges 1. Cardmembers also get Citi Flex Pay, free access to their FICO Score and access to Citi Merchant Offers 1. The product page lists Mastercard ID Theft Protection, a free identity monitoring program that requires enrollment; it monitors the information the cardmember chooses to protect and sends an alert if suspicious activity is found 1.
Foreign purchases carry a fee of 3% of the U.S. dollar amount of each purchase, and authorized users can be added without a fee 1. Travel insurance, purchase protection and extended warranty are not listed by the issuer for this card 12.
Account features
| Zero fraud liability | $0 liability for unauthorized charges.1 |
|---|---|
| Free credit score | Free access to your FICO Score online.1 |
Other perks
| Mastercard ID Theft Protection | Listed on the product page; free identity monitoring program offered by Mastercard; enrollment required1 |
|---|---|
| Citi Merchant Offers | Access to Merchant Offers1 |
Not listed for this card
The Citi pages and benefit terms we checked for the Diamond Preferred do not list these benefits:
- Rental car coverage
- Trip cancellation and interruption
- Trip delay
- Baggage delay
- Lost or damaged luggage
- Travel accident insurance
- Emergency evacuation and medical
- Travel and emergency assistance
- Roadside assistance
- Cell phone protection
- Purchase protection
- Extended warranty
- Return protection
- Airport lounge access
- Global Entry or TSA PreCheck credit
- Hotel benefits program
Some benefits come from the card network rather than the bank and are not always advertised. Your own Guide to Benefits, or the number on the back of the card, is the final word on what your account covers.
Sources
- 1 Citi, Citi Diamond Preferred Credit Card - Balance Transfer Credit Card | Citi.com Checked Oct 10, 2026 · Back to text ↑
- 2
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