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Citi® Diamond Preferred® Card

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If you’re looking for some extra time to pay off large purchases, the Citi Diamond Preferred Card could be your best bet. You won’t earn any rewards, but you’ll get one of the longest 0% introductory APRs on the market as well as some useful benefits like a concierge service and shopping protections.

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Our rating
Min. credit level: Good
Annual Fee: $0
Regular APR: 13.74% – 23.74% (Variable)
Intro Balance Transfer APR: 0% for 21 months
Intro Purchase APR: 0% for 12 months

Citi® Diamond Preferred® Card

Our rating
Good Min. credit level
$0 Annual Fee
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Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR 0% for 21 months
Regular Balance Transfer APR 13.74% – 23.74% (Variable)
Balance Transfer Fee 5% of each balance transfer; $5 minimum
How to Transfer a Balance on a Credit Card

Fees

Penalty APR Up to 29.99% Variable
Late Fee Up to $40
Returned Payment Fee Up to $40
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR 25.24% (Variable)
Cash Advance Fee 5% of each cash advance; $10 minimum
How to Get a Cash Advance with a Credit Card
Citi® Diamond Preferred® Card

Highlights

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months.
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% – 23.74%, based on your creditworthiness.
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid in full.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® score online.
  • With Citi EntertainmentSM, 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 13.74% – 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
ABOUT THE ISSUER

Citi

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The Citi Diamond Preferred Card is a solid credit card, offering an introductory APR of 0% for 21 months on balance transfers, and then a regular APR of 13.74% – 23.74% (Variable).

There are some decent benefits too, including Citi Concierge and Citi Private Pass for exclusive VIP events, bookings, and more.

This card has no annual fee and charges 3% for foreign transactions.

See how this card stacks up to a similar one in our comparison: The Citi Simplicity® Card vs. The Citi® Diamond Preferred® Card.