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Citi® Diamond Preferred® Card
BEST FOR: Our pick for longest period of 0% intro APR on balance transfers
Citi® Diamond Preferred® Card Review
This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.
Citi® Diamond Preferred® Card
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on Citibank's secure site
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Citi® Diamond Preferred® Card
SIGN-UP BONUS
N/A
REWARDS RATE
N/A
Intro Purchase APR
0% intro APR for 12 months on Purchases
Intro Balance Transfer APR
0% intro APR for 21 months on Balance Transfers
Regular Purchase & BT APR
17.24% - 27.99% (Variable)
Annual Fee
$0
Card Brand
Mastercard®
Recommended Credit Score
Good / ExcellentHighlights
- 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
- 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.
- No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
Additional Info
Foreign Transaction Fee
3%
Balance Transfer Fee
Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.
Expert Review
Editor's Overall Rating
Our editors rate credit cards objectively based on the features the credit card offers consumers, the fees and interest rates, and how a credit card compares with other cards in its category. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site receives from card issuers.
Features
Our pick for longest period of 0% intro APR on balance transfers
From the LendingTree editorial team, updated on Apr 29, 2025
For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi® Diamond Preferred® Card, from our partner Citi, card could be a great choice for you. This card offers an incredible 0% intro APR for 21 months on Balance Transfers and 0% intro APR for 12 months on Purchases along with no annual fee. Not only is the regular APR of 17.24% - 27.99% (Variable) highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers a multitude of cardholder perks.
This card offers free access to cardholders' FICO® Scores. Overall, the Citi® Diamond Preferred® Card is a great offer for anyone looking for a simple credit card that offers a long 0% intro APR and no annual fee.
The Good
- This card offers an industry-leading promotional intro period that could save you hundreds if you're currently stuck under high interest credit card debt.
The Not So Good
- If you are interested in cash back or rewards, this card isn't for you.
The Bottom Line
This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.
Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.
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Sign-Up Bonus
25,000 online bonus points after you make at least $1,000 in purchases in the first 90 days of account opening - that can be a $250 statement credit toward travel purchases
Flexible Redemption
Redeem points for a statement credit to pay for travel or dining purchases, such as flights, hotel stays, car and vacation rentals, baggage fees, and also at restaurants including takeout.
Rewards Rate
1.5 points per $1 spent on all purchases. 3 points per $1 spent on travel purchases booked through the Bank of America Travel Center.
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0% Intro APR
0% Intro APR for 15 months on purchases and balance transfers, then 18.24% - 27.24% Variable APR
Rewards Rate
5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically
Welcome Offer
Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $150 cash back into $300.
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Regular APR
17.24%, 23.74%, or 28.99% Variable APR
Intro Purchase APR
0% intro APR for 21 months from account opening
Intro BT APR
0% intro APR for 21 months from account opening on qualifying balance transfers
See Our Review