Citi® Diamond Preferred® Card
Advertiser Disclosure
Credit Card Insider is an independent, advertising supported website. Credit Card Insider receives compensation from some credit card issuers as advertisers. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. Credit Card Insider has not reviewed all available credit card offers in the marketplace. Content is not provided or commissioned by any credit card issuers. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. Credit Card Insider has partnered with CardRatings for our coverage of credit card products. Credit Card Insider and CardRatings may receive a commission from card issuers. A list of these issuers can be found on our Editorial Guidelines.
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® Diamond Preferred® Card
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 | 15.24%–25.24% Variable |
| Balance Transfer Fee | 5%, $5 minimum |
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% |
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 | 26.74% Variable |
| Cash Advance Fee | 5%, $10 minimum |
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 15.24% – 25.24%, 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 15.24% – 25.24%, 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 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 15.24% – 25.24%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion.
ABOUT THE ISSUER
Citi
Citi has several card types depending on your needs.
Manage your Account & Pay your Bill
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 21 months on balance transfers, and then a regular APR of 15.24%–25.24% 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.
