Not only is the regular APR of 14.74% - 24.74% (Variable) highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers a multitude of cardholder perks. Enter the Citi® Diamond Preferred® Card. Please note that purchases begin to accrue interest after the end of the introductory period, even if you choose to transfer a balance under the 0% APR balance transfer promotion. Nonetheless, the Citi® Diamond Preferred® Card still offers value, since the promotional period is significantly longer than that of the other cards. Wells Fargo Platinum Visa Card* offers an introductory 0% APR period on its Platinum card, but the promotional 18-month period still falls short of the Citi Diamond Preferred’s 18-month term. The Citi® Diamond Preferred® Card offers no such rewards or earnings. While many other credit cards offer 0% APR on balance transfers, the promotional period typically ranges from 12 to 15 months. A Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum will apply. Toni Perkins-Southam is a points and miles enthusiast who has been leveraging credit card rewards programs to travel around the world, for nearly free, with her husband and their four young children. If your main concern is transferring debt, you won’t mind that the card lacks other benefits, such as rewards. and its affiliates in the United States and its territories. Standard variable cash advance APR – 25.24%. This is one of the longest balance transfer intro periods in our database, and may be plenty of time for you to pay off debt. Citi Credit Knowledge Center . Also, the 0% APR on purchases for the first 18 months ( 14.74% – 24.74% variable thereafter) and absence of an annual fee can help offset the high balance transfer fee. It may be a great fit if you think you’ll need a long time to pay down your balance, but you could actually save more by getting a card with a low balance transfer fee instead. Citi Diamond Preferred credit card offers generous 0% financing over 18 months for new account holders. All Rights Reserved. Citi diamond preferred card will help you feel confident in any trip. The Citi® Diamond Preferred® Card could be perfect for someone who needs a balance transfer card, but it lacks a lot of long-term value. Choose your Payment Due Date The Amex Cash Magnet card’s 0% promotional APR period is 15 months for purchases (followed by the standard APR of 13.99%-23.99% Variable), as compared to only 18 months for the Citi Diamond Preferred. Certain terms and conditions apply. Citi is a CardRatings advertiser. There is also an easy to earn welcome bonus for new cardholders. Also, an excellent credit score is required to qualify. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold ® Private Client International, Citigold ® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. Be sure to take all of these factors into account before applying. Best for Long-term 0% Intro APR Offer on Balance Transfers, 16.49% - 24.49% Variable APR on purchases and balance transfers. Get free access to your FICO® Score online. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege. That site may have a privacy policy different from Citi and may provide less security than this Citi site. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. Beware its lack of a rewards program, however." Citi® Diamond Preferred® Card These ratings and reviews are provided by our users. A notable benefit of the Platinum card, however, is its $600 cell phone protection plan, which covers damage or theft for a mere $25 deductible. Minimum interest charge – $0.50. CITI® DIAMOND PREFERRED® BENEFITS. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Citi Diamond Preferred’s Other Features . Although the Citi® Diamond Preferred® Card does not offer much in the way of unique additional  benefits, it does come with some standard Citi features: There are several cards on the market that offer 0% interest on balance transfers and purchases, many of which carry a lower balance transfer fee than the Citi Diamond Preferred’s. Additional limitations, terms and conditions apply. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. This may seem costly upfront, but transferring to this card can save you money if you make a large transfer from a conventional card which could charge a 20% or higher APR. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. This is a great option for people looking for a low-maintenance card. New cardholders are eligible for the Yes, variable APR applies thereafter. Thus, if you require an extended amount of time to pay off debt, this could be the card for you. $0 Liability on Unauthorized Charges The key feature of the Citi Diamond Preferred Card is its 18-month, 0% introductory annual percentage rate on new purchases and balance transfers. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. The American Express Cash Magnet® Card is comparable to the Citi® Diamond Preferred® Card, in that it also offers 0% APR on purchases with $0 annual fees (see rates and fees). Balance transfers must be completed within 4 months of account opening. Rather than a traditional welcome bonus, the Citi Diamond Preferred offers a 0% APR introductory offer for both new purchases and balance transfers. Get Citibank information on the countries & jurisdictions we serve, upon clicking, focus redirects to smart search URL, https://online.citi.com/US/JRS/globalsearch/SearchAutoCompleteJsonP.do, /cards/svc/autocomplete.autocomplete?view=ALL, View All No Foreign Transaction Fee Credit Cards. Make sure that qualifying balance transfers must be made within 4 months of your account opening. The introductory 0% APR rate for the Citi® Diamond Preferred® Card is valid for 18 months, giving you a decent amount of time to pay off debt interest-free. 24/7 Customer Service … For each balance transfer, a Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, Purchase Protection: zero liability on unauthorized charges, Citi Entertainment®: special access to tickets for exclusive events, including sporting events, dining experiences and more, EMV Chip Technology: allows contactless, chip-enabled pay, APR on purchases: 0% for 18 months and then 14.74% - 24.74% (Variable), APR on balance transfers: 0% for 18 months and then 14.74% – 24.74% variable thereafter, You can lose the introductory rate if you make a late payment, incurring the penalty APR of up to 29.99%, Balance Transfer Fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, New Offer! KEY BENEFITS. However, the Blue Cash Everyday also earns 3% cash back on purchases at U.S. supermarkets on up to $6,000 a year in spending (then 1%). 2X points on travel and dining at restaurants worldwide, eligible delivery services, takeout and dining out & 1 point per dollar spent on all other purchases. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Identity theft can happen to anyone. Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. For these special circumstances, a balance-transfer credit card could be a helpful, cost-effective tool, especially when the original debt is on a high-APR card. Tap Your Card With Contactless Pay Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Experian Review: Citi® Double Cash Card - 18 month BT offer. Citi Entertainment takes the once out of once in a lifetime. Shop safely with a contactless-chip enabled card. All transfers must be completed within four months of the application date. That’s $750 toward travel when you redeem through Chase Ultimate Rewards®. The Verdict: The Citi® Diamond Preferred® Card is one of 2020’s top-tier 0% APR credit card offers, thanks to introductory rates of 0% for 18 months on balance transfers and 0% for 18 months on purchases. INTRODUCTORY 0% APR FOR 18 MONTHS Looking for a great deal to pay bills … Continue reading Citi Diamond Preferred Credit Card → A Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum will apply. Citi Flex Plan offers are made available at Citi’s discretion. On the Citi Secure Website. Please note that the terms and benefits of this product may change over time. This makes the card less attractive than some others, which offer both lower transfer fees and rewards on purchases. You may encounter a pitfall, however, if you are not debt-free by the end of this period, as the ensuing variable APR is high. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Citi Diamond Preferred Review For cardholders looking to pay down debt or finance a larger purchase, the Citi Diamond Preferred Credit Card is an appealing choice. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Banks, issuers and credit card companies do not endorse or guarantee this content, are not responsible for it, and may not even be aware of it. Citi® Identity Theft Solutions This card offers $0 liability on unauthorized purchases and Citi® Identity Theft Solution which … The standard variable APR for purchases is 14.74% to 24.74%, based on your creditworthiness. How to Increase Your Chances of Getting Approved for Citi Diamond Preferred Getting approved for a credit card requires a little planning. Additionally, you’ll have 18 months to make new purchases at 0% APR. The Forbes Advisor editorial team is independent and objective. Citi Diamond Preferred Card – Review Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Transfer high-rate balances with the Citi ® Diamond Preferred ® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. Once the introductory rate ends, the APR for the Platinum increases to a variable APR based on the cardholder’s creditworthiness, generally slightly higher than that of the Citi® Diamond Preferred® Card. Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. Alerts keep you informed and stress-free. When these rates expire, a variable APR will apply, based on your creditworthiness. Citi Entertainment: Get special access to purchase tickets to thousands of events each year, including presale tickets and VIP packages to concerts, sporting events, and dining experiences, plus complimentary movie screenings and more. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. In the end, the name of the game is setting yourself up to pay off debt as quickly and affordably as possible. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more. That’s $1,250 toward travel when redeemed through Chase Ultimate Rewards®, Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year, Earn 1 point per $1 on all other purchases – with no limit to the amount you can earn, Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards, Redeem points for travel, cash back, gift cards and more – your points don’t expire as long as your account is open, Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. If you are looking to pay off debt faster or avoid the cycle of interest rate fees on upcoming purchases, the Citi® Diamond Preferred® Card offers a 0% intro APR for 18 months on both purchases and balance transfers. Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. *, Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.*. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have excellent credit. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. It is also important to remember that the Citi® Diamond Preferred® Card consists of Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, which is relatively high. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page. Citi Entertainment® The minimum recommended credit score for this credit card is 700. Your eligibility for a particular product and service is subject to a final determination by Citibank. Opinions and product recommendations on this site are ours alone, and have not been influenced, reviewed or approved by the issuer. The Citi Diamond Preferred card has a 18-month 0% APR promotion for purchases and balance transfers. Most credit card offers require very good credit. The standard variable APR for Citi Flex Plan is 14.74% to 24.74%, based on your creditworthiness. Citi® Diamond Preferred® Card APPLY NOW. These are provided as guidelines only and approval is not guaranteed. This is just one scoring method and a credit card issuer may use another method when considering your application. Insurance for the holders of Citi diamond preferred card allows you to protect yourself from wasting time and money in the event of injury or illness, loss of luggage or documents, as well as in other situations when help is needed. Also, for new purchases, a 0% promotional APR applies for 18 months. New purchases made within the first 12 months receive 0% interest. Citi® Diamond Preferred® Credit Card 2020 Review, Application & Rates " The long introductory periods of 0% APR on purchases and balance transfers make this an attractive card for those looking to carry a balance. … Sometimes life happens. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold ® Private Client International, Citigold ® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track. New cardmembers only. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. The Citi® Diamond Preferred® Card offers an intro APR of 0% for 18 months on Balance Transfers. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. Benefits, fees, terms, and offers mentioned in reviews may change over time. Citi does not guarantee the accuracy of these reviews. Earn 20% back on purchases at Amazon.com on the Card in the first 6 months, up to $200 back. The Citi Diamond Preferred is a strong option if you have to transfer a balance, but it may not be the right fit for your situation. Transfer high-rate balances with the Citi® Diamond Preferred® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. Second Stimulus Check Calculator: How Much Will You Receive? Citi Double Cash card cardholders may also wish to take advantage of the 0% APR for 18 months on balance transfers, but its real strength is in its rewards. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. It offers an introductory APR of 0% for 18 months on balance transfers. Of course, the Citi® Diamond Preferred® Card isn’t the only card in town. 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