Citi Diamond Preferred Card Do you have one? Like it?

[Anonymous]

I keep getting offers from Citi about this card and I am thinking I don't want or need it, but would put it out there to see if anyone had it and what your thoughts are about the card? Thanks to anyone who responds.

[NRB525]

I enjoy mine. It had a $1k limit until recently was able to CLI to $1.5k

The  Citi EasyDeals points are going away soon, to be replaced by some similar coupon method. For the merchants involved, there are some nice discounts.

I also have gotten several nice "spend up to $500 get 5% back offers over the years. Online Purchases was the most recent I cleaned up with. Others gas, groceries, or dining, entertainment. Working on a little 0% APR on purchases through June, those have come up from time to time, usually able to stack them with the 5% offers. They also sent me offers to PC to Double Cash, though I did not think that was as good a deal as EasyDeals, for me.

Plus it has a diamond on it. Snazzy!

[Noctilum]

I only got it at the time for virtual account numbers so I didn't have to give out my real card number to merchants - other than that it was useless to me, so I PC'ed to the Double Cash and use that a billion times more.

[UncleB]

I'm using mine to take advantage of the 21 months 0%; but after that's over I'll probably PC it to a DC unless they give me a compelling reason not to. 

In my case I have until March 2018 to consider it, and of course a lot can happen between now and then. 

[Anonymous]

Thanks for all your comments, everyone! I am getting a perspective now.

[kdm31091]

It's a no frills card. Unless you need to finance a large purchase there isn't much reason to apply for it. It has a niche which is a long intro APR but otherwise I'd skip it

[wasCB14]

I'd only get it if you need to do a BT or carry at 0% for a while.

Little deals here and there may be good, but if you add up the marginal value of them over what your other cards might offer, I suspect it would take a while to make up for the fact that there is no bonus.

[kdm31091]

I agree. With no bonus, it will take a long time for occasional small 5 percent deals to outweigh signing up for a card with a bonus.

[rooeez]

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@UncleB wrote:

I'm using mine to take advantage of the 21 months 0%; but after that's over I'll probably PC it to a DC unless they give me a compelling reason not to. 

In my case I have until March 2018 to consider it, and of course a lot can happen between now and then. 

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Me too. Used it for the great intro rate and just recently PC'd to a DC. Just waiting on the new card.

[Anonymous]

Okay, I really am getting perspective that will help me make my decision. I already have the Double Cash card. I don't need the zero financing. Soooo, I will not be applying for the card. Thanks again for all the input. I love this forum!