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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.
Citi is a Credit Card Insider advertiser.
A balance transfer is a way to move debt from one card to another with the goal of saving money on interest.
Intro Balance Transfer APR | 0% for 18 months |
Regular Balance Transfer APR | 14.74% – 24.74% (Variable) |
Balance Transfer Fee | 3%, $5 minimum |
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% |
Borrowing cash on your 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%, $10 minimum |
Citi has several card types depending on your needs.
You can usually pay your bill online on your
Credit card issuer's websiteThe Citi Diamond Preferred Card is a solid credit card, offering an introductory APR of 0% for 18 months on balance transfers, and then a regular APR of 14.74% – 24.74% (Variable).
Purchases will get 0% APR for 18 months, then 14.74% – 24.74% (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.