Skip to main content

Take a Break From High Interest Until 2028

  • How it Works

0% Intro APR Until 2028

Switch in 3 simple steps

Updated on November 10, 2026
Learn More
Citi® Diamond Preferred® Card
Citi® Diamond Preferred® Card

on Citibank's secure site

5.0
5.0
CompareCredit Score

Rated by the CompareCredit Content Team

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, 16.74% - 27.49% (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, 16.74% - 27.49% (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.