Best for Long-term 0% Intro APR Offer on Balance Transfers, 16.49% - 24.49% Variable APR on purchases and balance transfers. Thereâs a 3% (minimum $5) balance transfer fee, which is ⦠The Citi® Diamond Preferred® Card could be perfect for someone who needs a balance transfer card, but it lacks a lot of long-term ⦠When Will I Get It? You will be given further information when you apply. With 0% APR on balance transfers for the longer-than-average 18-month promotional period ( 14.74% – 24.74% variable thereafter), this card can make debt reduction more cost effective. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. Unemployment Benefits Boost Calculator, Compare Citi Diamond Preferred With Other Cards, Blue Cash Everyday Card from American Express, Ink Business Preferred Credit Card Review, Platinum Card From American Express Review, A Forbes Guide To Choosing A Cash Back Credit Card, How To Make A Balance Transfer Card Work For You, What Credit Card Delinquency Is—And How To Avoid It, How To Budget Better With Credit Cards In 2020, Very long intro APR offer for balance transfers, Special event access through Citi Entertainment®. The Diamond Preferred card is right near the top of that pile. New cardholders are eligible for the Yes, variable APR applies thereafter. Rated 5/5 stars by our editorial team. Minimum interest charge – $0.50. You are leaving a Citi Website and going to a third party site. The Citi Diamond Preferred, however, offers a 18-month interest-free period, one of the most generous in the business. The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Additionally, you’ll have 18 months to make new purchases at 0% APR. Certain terms and conditions apply. The Citi® Diamond Preferred® Card credit limit starts at $500 and can range over $10,000 for the most creditworthy borrowers. However, the Blue Cash Everyday also earns 3% cash back on purchases at U.S. supermarkets on up to $6,000 a year in spending (then 1%), 2% cash back on gas at U.S. gas stations and select U.S. department stores. Our ratings take into account the card’s rewards, fees, rates along with the card’s category. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®, Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. The Wells Fargo Platinum Visa® Card* offers an introductory 0% APR period on its Platinum card, but the promotional 18-month period still falls short of the Citi Diamond Preferred’s 18-month term. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Standard variable cash advance APR – 25.24%. Transfer high-rate balances with the Citi® Diamond Preferred® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. Enter the Citi® Diamond Preferred® Card. Once youâre approved for the Diamond Preferred card, Citibank will determine your specific credit ⦠The Amex Cash Magnet card’s 0% promotional APR period is 15 months for purchases (followed by the standard APR of 13.99%-23.99% Variable), as compared to only 18 months for the Citi Diamond Preferred. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Terms, conditions and fees for accounts, products, programs and services are subject to change. Citi Flex Plan offers are made available at Citi’s discretion. We recommend Once the introductory rate ends, the APR for the Platinum increases to a variable APR based on the cardholder’s creditworthiness, generally slightly higher than that of the Citi® Diamond Preferred® Card. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. The Citi Diamond Preferred Card* can help you save money with 0% intro APR on purchases and balance transfers for 18 months (14.74% to 24.74% variable APR thereafter). The rate reverts to a variable APR at the end of the introductory period, currently 14.74% - 24.74% (Variable). Where Is My Stimulus Check? The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. Earn 1 point per $1 on all other purchases, With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring, With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information, Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open, Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®, Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account. At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. Citi Entertainment takes the once out of once in a lifetime. Coverage details will be provided upon card membership or you can visit www.cardbenefits.citi.com. A notable benefit of the Platinum card, however, is it comes with a $600 cell phone protection plan, which covers damage or theft for a mere $25 deductible. The Citi® Diamond Preferred® Card is easily one of the best balance transfer credit cards. Also, the 0% APR on purchases for the first 18 months ( 14.74% – 24.74% variable thereafter) and absence of an annual fee can help offset the high balance transfer fee. The Citi Diamond Preferred card is an elite 0% APR credit card for people with excellent credit, offering introductory interest rates of 0% for 18 months on new purchases and 0% for 18 months on balance transfers. If you're looking to pay off a significant amount of debt and want to minimize your monthly ⦠Citi ® Diamond Preferred ® Card Review: Great for Balance Transfers. The American Express Cash Magnet® Card is comparable to the Citi® Diamond Preferred® Card, in that it also offers 0% APR on purchases with $0 annual fees (see rates and fees). Write ⦠Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. American Express Serve Reloadable Prepaid Debit Card 2021 Review, Amazon Business Prime American Express Credit Card 2021 Review, Harley-Davidson Visa Credit Card 2021 Review. ... Citi Global Executive Preferred, and Citi ⦠You're completely protected against unauthorized charges on your account. Best Personal Loans For Debt Consolidation. This is just one scoring method and a credit card issuer may use another method when considering your application. New cardmembers only. Your browser is out of date and not supported. Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. Citi Entertainment® and its affiliates in the United States and its territories. The main selling point of the Citi® Diamond Preferred® Card is the 18-month 0% APR period on balance transfers. For example, 60,000 points are worth $750 toward travel. The Citi Diamond Preferred Card offers cardholders some premium benefits, such as Citi Entertainment SM, a program that provides special access to ticket sales, preferred seating and VIP ⦠Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more. Benefits, fees, terms, and offers mentioned in reviews may change over time. There is also an easy to earn welcome bonus for new cardholders: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. Get Citibank information on the countries & jurisdictions we serve, upon clicking, focus redirects to smart search URL, https://online.citi.com/US/JRS/globalsearch/SearchAutoCompleteJsonP.do, /cards/svc/autocomplete.autocomplete?view=ALL, View All No Foreign Transaction Fee Credit Cards. Do you want to go to the third party site? However, the best card for you comes ⦠If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track. Learn More using Citi's secure application. When these rates expire, a variable APR will apply, based on your creditworthiness. Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. The Citi Diamond Preferred Card offers a great intro offer for balance transfers along with a standard offer for new purchases, but that's where the benefits to this card end. When unexpected expenses come up, you may not have the funds on hand to pay for them and accruing some debt may be inevitable. Citi ® Diamond Preferred ® Card Enjoy the Citi ® Diamond Preferred ® Card, a no annual fee credit card with valuable savings and protection benefits. Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. Citi ® Diamond Preferred ® Card . But if you are not debt-free by the end of this period, be aware that the ongoing variable APR is high. Also, for new purchases, a 0% promotional APR applies for 18 months. Pick the Citi® Diamond Preferred® Card if you want a long intro APR period. Are you sure you want to rest your choices? A 3% of each balance transfer; $5 minimum will apply. Citi® Identity Theft Solutions For these special circumstances, a balance transfer card could be a helpful, cost-effective tool, especially when the original debt is on a high-APR card. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. The Citi® Diamond Preferred® Card offers no such rewards or earnings. Balance Transfer Fee: Either ⦠The Citi Diamond Preferred card has a 18-month 0% APR promotion for purchases and balance transfers. This exceeds the industry standard of 12 to 15 months. Together, Toni and her kids have spent the last 4 summers living in Europe, Central and South America and have encountered countless adventures throughout their travels. It is also important to remember that the Citi® Diamond Preferred® Card consists of 3% of each balance transfer; $5 minimum, which is relatively high. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on ⦠Click the stars to submit your rating. Youâll earn 2x points at gas stations and ⦠Make sure that qualifying balance transfers must be made within 4 months of your ⦠A 3% of each balance transfer; $5 minimum will apply. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. Credit Score ranges are based on FICO® credit scoring. Balance transfers must be completed within 4 months of account opening. Subject to credit approval. Additional limitations, terms and conditions apply. Your eligibility for a particular product and service is subject to a final determination by Citibank. Nonetheless, the Citi® Diamond Preferred® Card still offers value, since the promotional period is significantly longer than that of the other cards. Citi® Diamond Preferred® Card Credit Card Offer from our Partner. The Citi Diamond Preferred credit limit is $500 or more, depending on each applicantâs creditworthiness. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. For full site functionality, please open a new window with Private Browsing turned off. To take advantage of the introductory 0% APR offer, transfers must be completed within four months of account opening. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. These are provided as guidelines only and approval is not guaranteed. Toni Perkins-Southam is a points and miles enthusiast who has been leveraging credit card rewards programs to travel around the world, for nearly free, with her husband and their four young children. With no rewards or other juicy perks, this is a card to achieve one goal: paying down debt. Citi does not guarantee the accuracy of these reviews. Tap Your Card With Contactless Pay 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. Consider the Citi Rewards+® Card, meanwhile, if you want rewards. The standard variable APR for Citi Flex Plan is 14.74% to 24.74%, based on your creditworthiness. This compensation comes from two main sources. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Choose to pay your bill on any available due date in the beginning, middle or end of the month. Similar to the Cash Magnet, the Blue Cash Everyday Card from American Express offers 0% introductory APR on purchases for the first 15 months (followed by 13.99%-23.99% Variable) (see rates & fees). KEY BENEFITS. Plus earn up to $50 in statement credits towards grocery store purchases. Most will be better off with a rewards card ⦠Security Center - Learn more about identity theft and fraud. Be sure to take all of these factors into account before applying. Thanks for rating! All Rights Reserved. To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following. Get free access to your FICO® Score online. Diamond Preferred lets you do that at a ⦠Haven't found the right card yet? A: The Citi Diamond Preferred Card is a balance transfer credit card that charges 0% APR for 18 months on balances transferred within ⦠You might be using an unsupported or outdated browser. Annual Fee $0 More Information. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have excellent ⦠Includes eligible pick-up and delivery services. As an example, a $10,000 balance transfer would incur a steep $300 fee. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. Private Browsing is currently turned on. Finally, it gives 1.5% cash back on purchases, providing a significant advantage over the Citi® Diamond Preferred® Card. The Forbes Advisor editorial team is independent and objective. Activate by 12/31/21. Citi® Diamond Preferred® Card APPLY NOW. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Digital Wallets Shop safely with a contactless-chip enabled card. Her passion is to inspire other big families by showing and teaching them that traveling with kids is not only logistically possible, but with the right knowledge, financially feasible for even the smallest budgets. According to our research, the average credit limit for ⦠To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. $0 Liability on Unauthorized Charges The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. 24/7 Customer Service The introductory 0% APR rate for the Citi® Diamond Preferred® Card is valid for 18 months, giving you a decent amount of time to pay off debt interest-free. On the Citi Secure Website. Citi Diamond Preferred: Ultra-long 0% Intro APR Period on Balance Transfers The Citi Diamond Preferred can help make a dent in your debt, but because the card doesn't earn rewards, it ⦠Second Stimulus Check Calculator: How Much Will You Receive? The Citi Diamond Preferred card and the Citi Simplicity card are both great options for cardholders who need help financing a purchase interest-free. Citi and its affiliates are not responsible for the products, services, and content on the third party website. To view rates and fees of the American Express Cash Magnet® Card, please visit this page. Please note that the terms and benefits of this product may change over time. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. 0% APR on purchases for the first 18 months after account opening, variable APR thereafter. ⦠This may seem costly upfront, but transferring to this card can save you money if you make a large transfer from conventional cards which typically charge double-digit APRs. The standard variable APR for purchases is 14.74% to 24.74%, based on your creditworthiness. Enjoy the flexibility of paying your full balance or just the minimum payment due each month. Just tap your card on the payment reader and go in seconds. Note that this fee is simply added to the card’s balance. © 2021 Forbes Media LLC. Your Rating: 4.3/5.0 from 1,060 Offer Ratings Over the Past 60 Days! you update your browser for a better online banking experience. All other spending earns 1%. All transfers must be completed within four months of the application date. 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