Citi® Diamond Preferred® Rewards American Express® Card

This featured offer was noticed by Finance Globe staff to be unique and offer special benefit to cardholders.
Rewards you really want: Earn points for great rewards such as travel, merchandise, gift cards and more through ThankYouSM Network, a no-fee rewards program. Plus, receive 6,000 bonus ThankYou Points after first purchase made within first 3 months, redeemable for a $50 gift card, and get the worldwide acceptance of American Express®.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Excellent Credit Personal $0* 0.00% for Up To 12 Months N/A* 10.99%* Flexible Options

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Citi® Diamond Preferred® Rewards American Express® Card Quick Summary:
This rewards card with flexible options is issued by Citibank. This card is intended for consumers, or "personal use" with a nearly perfect credit history. Rates may vary among applicants, however the lowest standard APR is 10.99%* (Variable)*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for Up To 12 Months*. There is no annual fee for this card.*

This is a flexible options rewards card. You should be able to choose different reward types, such as travel, points, or other options. This type of card adjusts to the changing needs of the cardholder.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a great or nearly perfect credit record. A FICO credit score of 796 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Citibank product.

Other Basics:
The grace period listed for the Citi® Diamond Preferred® Rewards American Express® Card is at least 23 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

American Express acceptance among businesses is moderate, but global. You should not have a difficult time finding businesses that will accept this card as a form of payment.

Rewards and Benefits:

$50 Gift Card: Receive 6,000 bonus ThankYouSM Points after your first purchase, within 60 days of opening your account.  Once points transfer from your account to the ThankYou Network redeem for a $50 gift card.

Get Great Rewards Fast with ThankYou Network:

  • Five ThankYou Points for every dollar spent on purchases at supermarkets, drugstores and gas stations for 12 months and one ThankYou Point thereafter
  • One ThankYou Point for every dollar spent on all other purchases.
  • Earn up to 75,000 points in a calendar year

Other Great Benefits

  • Introductory Balance Transfer Offer - 0.0% APR on Balance Transfers for 12 months.
  • Savings at Select American Express MerchantsSpecial money-saving offers at select American Express merchants worldwide.
  • Price Protection* - You've probably purchased an item and the very next day seen it on sale for less than you paid. Avoid this kind of frustration when you pay with your Citi Diamond Preferred Rewards American Express Card. If you buy something with your card and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. (Excludes internet purchases and certain items.)
  • Flexible Payment - With the Citi Diamond Preferred Rewards American Express Card, you'll get the flexibility to pay in full or carry a balance each month.
  • Trip Cancellation/Trip Interruption Insurance* - In the event you are prevented from taking or continuing a trip you billed entirely to your Citi Diamond Preferred Rewards American Express Card account, you are eligible to receive up to $1,500 in Trip Cancellation/Trip Interruption Insurance.
  • Lost Luggage Coverage* - You are eligible for up to $3,000 in lost luggage coverage for you and your dependents when you charge your entire common carrier fare with your Citi Diamond Preferred Rewards American Express Card. Covers permanently lost, stolen or damaged baggage or personal articles checked with a common carrier.
  • Emergency Assistance Services - With medical and legal referrals and translation services, you're protected while on the road or abroad. Included in this service are Medical Emergency Assistance, Legal Assistance and Travel Assistance.
  • Auto Rental Insurance - You're automatically covered for up to $50,000 when you charge the entire cost of your rental from a licensed rental agency with your Citi Diamond Preferred Rewards American Express Card and decline the car rental company's collision, loss/damage waiver insurance.
  • Citi PhotocardsCiti Photocards will give you something to smile about, with your picture and signature on the front of your Citi Diamond Preferred Rewards American Express Card for extra security and a great form of photo identification.

Other Remarks:
  • The 0% APR does not apply to Purchases or Cash Advances
  • The 0% APR may increase if you default under any cardmember agreement you have with us because you pay us late, go over your credit limit or have a returned check
  • Your payments will be applied to low APR balances before higher ones
  • After your Introductory Purchase and/or Balance Transfer APR expires, the standard purchase APR will apply. This rate is variable and will be determined at time of application, based on our review of your application and credit history

Approval Rate:
There was 1 person that reported the application status to us after applying. The applicant was approved. Helpful qualification information, including credit scores, rates, household income and more was reported.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 796, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 100% of 2 users recommend this card.
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