Citi® Diamond Preferred® Credit Card Good Credit is a personal credit card from Citi. Application typically pulls a hard report from Experian. The annual fee is $0. The ongoing APR is 16.74% - 27.49% variable after a 0% intro APR on purchases for 12 months; 0% intro APR on balance transfers for 21 months introductory rate for 12 months. Approval typically requires a credit score of good to the excellent range or higher. Rewards: No rewards. Typical credit limit: $1,500 - $30,000. This product reports activity to your personal credit report. ITIN-friendly — accepts applicants with an Individual Taxpayer Identification Number in lieu of an SSN. Application rules: Citi enforces an 8/65/95 rule (max 1 card per 8 days, 2 cards per 65 days, no more than 1 business-card every 95 days). Sign-up bonuses on Citi cards are restricted to 48 months from your last bonus on that card family.. One of the longest 0% intro APR periods available — 21 months on balance transfers. No annual fee. Great for balance transfers and large purchases. $5 balance transfer fee (3% min).