- Credit Cards
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- Citibank
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- Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card Review
By Thomas Donaldson
A top pick for people looking to save money on credit card interest. The Citi® Diamond Preferred® Card, from our partner Citibank, is a no annual fee card that offers one of the longest 0% Intro APR available for purchases and balance transfers.
Current Offer- 0% for 18 months on Balance Transfers
- 0% for 18 months on Purchases
- 14.74% - 24.74% (Variable)
- $0
- Excellent
Product Details
- Click "APPLY NOW" to apply online
- 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. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
- Click "APPLY NOW" to apply online
- 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. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
- Get free access to your FICO® Score online.
- With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
- Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions.
- The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.
Top Rated For
Our Expert Review
Why We Like It
Offer Rating
5/ 5
By Our Editorial Team
EditorThe Citi® Diamond Preferred® Card, from our partner Citibank, is a top pick for anyone looking to save money with a long intro APR on balance transfers. This card comes with an intro APR of 0% for 18 months on Balance Transfers and 0% for 18 months on Purchases. That lengthy intro period on balance transfers could potentially save you hundreds of dollars if you’re currently paying a high interest rate on another credit card.
Likewise, the 0% for 18 months on Purchases can come in handy if you need to make a big purchase and want to spread the payments out over a year with no interest. After the intro APRs, the ongoing interest rate will be 14.74% - 24.74% (Variable). To top it off, the Citi Diamond Preferred charges no annual fee.
While this card doesn’t come with a dedicated rewards program on purchases, cardholders will enjoy access to Citi Entertainment® which offers special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. And as you use this card to pay down your balances, you can monitor your FICO® score online for free.
Pros & Cons
Pros
- Save on interest with an intro APR of 0% for 18 months on Balance Transfers and purchases
- Pay no annual fee and enjoy free access to your FICO® score online
- Complimentary access to Citi Entertainment®
Cons
- No rewards program or cash back on purchases
- Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum
Pros Explained
- Save on interest with an intro APR of 0% for 18 months on Balance Transfers and purchases: Having almost two years of 0% interest could potentially save you thousands of dollars if you are transferring your balance from a high-interest credit card or if you need to make a big purchase and want to spread your payments our over time.
- Pay no annual fee and enjoy free access to your FICO® score online: Many of the top credit cards come with annual fees that cut into your savings – not here. Plus, you can easily track your FICO® score online as your pay down your balance.
- Complimentary access to Citi Entertainment®: Being a cardholder gets you special access to tickets to thousands of events including concerts, sporting events, and more.
Cons Explained
- No rewards program or cash back on purchases: Since this card focuses primarily on helping you save money with lengthy low interest rates, you won't earn rewards on purchases
- A Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum: This is standard for most balance transfer cards, but it's important to note that you will be charged a fee for balance transfers
