Citi® Diamond Preferred® Rewards Card issued by Citibank
	Overall Rating Benefit Rating	Apply online for this card or read on for a full review of all the features.

In-Depth Credit Card Review

This online card application is intended for residents of the United States only. For other country options, please refer to the right hand menu bar. The Citi® Diamond Preferred® Rewards Card, issued by Citibank, is designed for those with good credit who plan to take advantage of the reward program offered. Through the reward program, cardholders earn five points for every dollar spent on purchases made at supermarkets, drugstores, and gas stations for the first twelve months of cardmembership, one point thereafter, and one point for every dollar spent on all other purchases. Cardholders receive 6,000 bonus points after $100 in purchases are made within the first three months, which can be redeemed for a $50 gift card. These points can also be redeemed for various items or services, and cardholders are given the option to reduce the card's APR for purchases and cash advances for varying amounts of time (which is a rare benefit). There is a 75,000 yearly limit to the number of points that can be earned, and points will expire in five years. This card has no annual fee, and it has a reasonably low interest rate for purchases and balance transfers in comparison to other reward cards. In addition, the card has a 0% introductory rate that can be applied toward balance transfers for up to twelve months. Nevertheless, it is important to note that there is a minimum cap of 19.99% for cash advances; so no matter how low the Prime Rate falls (the APR is tied to the Prime Rate), the interest rate will not go below the minimum cap. The card does provide platinum cardholder benefits that include up to $1,000,000 in travel accident insurance, auto rental insurance, car rental discounts, and various travel and emergency assistance services. Therefore, those who plan to take advantage of the 0% introductory rate for balance transfers and are interested in participating in the reward program will benefit most from what the Citi® Diamond Preferred® Rewards Card has to offer. Most Attractive Feature: Long term 0% introductory rate; access to reward program; no annual fee; reasonably low APR. Least Attractive Feature: Minimum APR cap for cash advances; yearly limit and expiration on reward points. Apply Now For Citi® Diamond Preferred® Rewards Card Note: The review of this Citibank card was updated on 06/26/2008 and is believed to be accurate during the update, however, information posted may have since changed. We strongly suggest that you carefully read the Terms and Conditions statement that accompanies the credit card application

Key Card Information
Introductory Rates and Terms
Intro Rate:	0% APR for up to 12 Months
Applied Towards:	Balance Transfers
Details:	The introductory rate is available on balance transfers submitted during the first twelve months.
Miscellaneous Rates and Terms
Credit Limits:	n/a (Maximum) / $500 (Minimum)
Purchases APR:	As low as 10.49%
Cash Advance APR:	19.99% There is a minimum APR on cash advances.
Finance Config:	Average Daily Balance (including new purchases)
Grace Period:	20 Days (Min.)
Fees Associated with this Card
Annual Fee:	$0
Add. Cardholders:	$0
Late Payment Fee:	$15 on balances up to $100; $29 on balances of $100 up to $250; $39 on balances of $250 and over
Over-the-Limit Fee:	$39
Cash Advance Fee:	3%, $5 minimum
Balance Transfers:	A balance transfer fee applies with this offer* (see site for details).

The Rewards Program Highlights
Optional Reward:	No
Points Per Dollar:	1 Point
Additional Points:	Earn 5 points per dollar spent at participating supermarkets, drugstores, and gas stations for the first 12 months of cardmembership; earn 1 point thereafter; and earn 1 point per dollar spent on all other purchases.
	Points can be redeemed for various items or services including retail gift certificates, AT&T phone cards, rebate credits on the account, or an APR point decrease for the Citi® Diamond Preferred® Rewards Card account. See www.thankyouredemptions.com for more information.
Expiration:	5 Years
Yearly Limit:	75,000 Points
Other Bonus:	6,000 Points**
	**Receive 6,000 bonus points, which is redeemable for a $50 gift card, after $100 in purchases are made within 3 months of opening the account.

Additional Highlights of Interest

Special Card Benefits and Features $0 liability on unauthorized purchases. Various Internet account related services. Identity theft solutions. Price protection program. Optional personal photo on card. Fraud and security protection services. Lost and stolen card reporting. Emergency cash replacement. Emergency card replacement. Automatic bill payments. Year-end financial statement (upon request). Up to $1,000,000 in travel accident insurance. Auto rental insurance. Various travel and emergency assistance services. Medical referral services. Legal referral services. Lost luggage assistance. Discounts on auto rentals. See website for additional benefits. Important Notes Regarding This Offer The APR for purchases and balance transfers varies according to the applicant\'s credit history and will be 5.49%, 9.49%, or 13.49% + Prime Rate. See website for complete terms and conditions of card usage and application disclosure.