- How it Works
0% Intro APR Until 2028
Zero Regrets. Zero Interest for 21 Months.
Zero Regrets. Zero Interest for up to 21 Months.
Switch in 3 simple steps
on Citibank's secure site
Steps
Review the card details
Terms, rates, and fees before you apply
Apply on Citibank's secure site
Your info stays with the issuer
Transfer your balance after approval
0% intro APR on balance transfers for 21 months
Bottom Line:
- Intro APR of 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) APR thereafter. Apply online today and enjoy zero interest on balance transfers until 2028. This period begins from the date of your first transfer.
- No annual fee. The card is designed to help you save money. You’ll automatically avoid any annual or upfront fees.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Why We Rate This a Top Balance Transfer Card
Balance transfer credit cards are basically measured by a single standard — time. It's all about how much time they give you to pay down debt without interest. By that standard, the Citi® Diamond Preferred® Card, from our partner Citibank, offers one of the longest introductory APR periods available on the market today: 0% for 21 months on Balance Transfers, 16.49% - 27.24% (Variable) APR thereafter.
What we're seeing is the Citi® Diamond Preferred® Card drive interest from people who…
… Want to delay initial interest payments on new purchases
… Have an existing balance they want to transfer
… Need a time window to pay off their balance before they start paying interest
If you were to apply online for the card today and transfer a balance, you’d have until 2028 before you start getting hit with interest charges. It's like taking a 21-month vacation from paying interest!
More than just a Balance Transfer Card
One of the longest 0% Intro APR periods on the market is reason enough to say yes to this card. On top of that, Citi offers a few more perks that make this a must-have among Balance Transfer cards:
- No annual fee. The card is designed to help you save money. You'll automatically avoid any annual or upfront fees.
- Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
- Built-in $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions means you can shop with confidence knowing that you have dependable purchase protection.
Recommended Credit Score
This card is designed for consumers with good to excellent credit, so we suggest having a FICO® Score of 670 or higher to increase your likelihood of being approved. However, some people might qualify with lower scores, and approval is not guaranteed even with a high credit score.
Who Should Get This Card
- The Citi® Diamond Preferred® Card is a great fit for those who want plenty of time to pay down debt or finance a large purchase, without being charged interest.
- Remember, for Balance Transfer cards it's all about time. We suggest not wasting any time waiting to apply for the premier balance transfer card on the market. Then take your time to pay down your balance with no additional interest for 21 months.
on Wells Fargo's secure site
This showstopping offer from Wells Fargo is at the top of the pack when it comes to low interest rates on qualifying balance transfers and purchases. New cardholders receive a whopping 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. That's right – the Wells Fargo Reflect® Card offers nearly two years of interest-free payments on qualifying balance transfers and purchases! The ongoing rate is 17.49%, 23.99%, or 28.24% Variable APR.
That ultra-long intro period could be a lifesaver if you're paying a high interest rate on your current credit card. Even with such a generous low interest offer, the Wells Fargo Reflect® Card has no annual fee, and cardholders will enjoy the added perk of up to $600 of cell phone protection against damage or theft - subject to a $25 deductible.
on Chase's secure site
The Chase Slate® card is a solid choice for anyone looking to save on interest while paying down debt or financing a large purchase, thanks to its 0% Intro APR for 21 months on purchases and balance transfers, followed by a 18.24% - 28.24% Variable APR.
With no annual fee, free credit score access and more with Chase Credit Journey®, and features like access to Chase Pay Over Time for eligible purchases made with your card, it offers practical tools to help manage your finances. While the Chase Slate® card doesn’t offer rewards, its long introductory APR period and helpful benefits make it a great choice for building healthy credit habits and reducing interest costs.
