Rated 5/5 stars by our editorial team
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4.3/5.0 from 37 Offer Ratings
Over the Past 60 Days!
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Regular Purchase APR
17.49% - 28.24% (Variable)
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Intro Purchase APR
0% for 12 months on Purchases
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Intro BT APR
0% for 21 months on Balance Transfers
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 17.49% - 28.24%, 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.
- See additional Citi® Diamond Preferred® Card details
Card Fees
Foreign Transaction Fee
3%
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer; $5 minimum.
Cash Advance Fee
5% of each cash advance; $10 minimum
Additional Card Details
$0 Liability on Unauthorized Changes
No
Auto Rental Insurance
No
Extended Warranty Program
Yes
Roadside Assistance
No
Purchase Protection
Yes
Travel Assistance
No
Flight Accident Insurance
No
Lost Luggage Reimbursement
No
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Concierge Service
Yes
Expert Reviews
From the LendingTree.com Editorial Team
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 intro APR of 0% for 21 months on Balance Transfers and 0% for 12 months on Purchases along with no annual fee. Not only is the regular APR of 17.49% - 28.24% (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 Bottom Line
This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.
The Good
This card offers an industry-leading promotional intro periods 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.
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.
Consumer Reviews 37 Reviews
Offer Rating
4.3 out of 5.0
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+36 users submitted a rating without a full review
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By: Jason | Mar 21, 2016
Citi diamond preferred has provided a great customer experience with this card. When I'm traveling, the phone call is quick and painless and the service reps are friendly. Citi also seems to have really good credit limits. And the card also looks great!
Related Card Offers
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0% Intro APR
0% Intro APR for 15 months on purchases and Balance Transfers, then 16.49% - 27.49% Variable APR.
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Rewards Rate
5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
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Sign-Up Bonus
Unlimited Cashback Match – 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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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match – 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.
- Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- Every $1 you earn in cash back is $1 you can redeem.
- Get a 0% intro APR for 15 months on purchases. Then 16.49% to 27.49% Standard Variable Purchase APR applies, based on credit worthiness.
- No annual fee.
- Click through to Discover’s website to see terms and conditions.
- See Rates & Fees
See additional details for Discover it® Cash Back
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Welcome Offer
Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
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Rewards Rate
Earn unlimited 2% cash rewards on purchases
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Extra Perks
No categories to track or remember and cash rewards don't expire as long as your account remains open
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Typical Credit Needed
-
Annual Fee
$0
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Card Brand
Visa®
Highlights
- Earn a $200 cash rewards bonus after spending $1,000 in purchases in the first 3 months
- Earn unlimited 2% cash rewards on purchases
- 0% intro APR for 15 months from account opening on purchases and qualifying balance transfers, then a 19.49%, 24.49%, or 29.49% variable APR; balance transfers made within 120 days qualify for the intro rate and fee of 3% then a BT fee of up to 5%, min: $5
- $0 annual fee
- No categories to track or remember and cash rewards don't expire as long as your account remains open
- Enjoy a premium collection of benefits at a selection of the world's most intriguing and prestigious hotel properties with Visa Signature Concierge
- Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible).
- Select “Apply Now” to learn more about the product features, terms and conditions
- See Rates & Fees
See additional details for Wells Fargo Active Cash® Card
-
Sign-Up Bonus
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
-
Rewards Rate
Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
-
Intro APR
0% intro APR for 15 months on purchases and balance transfers, then 18.49% - 28.49% (Variable)
-
Typical Credit Needed
-
Annual Fee
$0
-
Card Brand
Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
- No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
- No Annual Fee
- Citi will only issue one Citi Custom Cash℠ Card account per person.
- See additional Citi Custom Cash℠ Card details
See additional details for Citi Custom Cash℠ Card
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