Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Card details
0% Intro APR on balance transfers for 21 months from date of first transfer. All transfers must be completed in first 4 months. After that the variable APR will be 14.99% - 24.99%, based on your creditworthiness
0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.99% - 24.99%, 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
$0 liability on unauthorized purchases and Citi® Identity Theft Solutions
No annual fee
Free access to FICO® Scores
Rates, fees & offers
Annual fee
$0
Rewards rate
N/A
Bonus offer
None
Intro APR
0% on Purchases for 12 months and 0% on Balance Transfers for 21 months
Ongoing APR
APR: 14.99% - 24.99% Variable APR
Penalty APR: Up to 29.99%, Variable
Cash Advance APR: 27.24%, Variable
Balance transfer fee
5% of each balance transfer; $5 minimum.
Foreign transaction fee
3%
Recommended credit score
Compare to other cards
Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer | ||
---|---|---|
Annual fee$0 | Annual fee$0 | Annual fee$0 |
Regular APR14.99% - 24.99% Variable APR | Regular APR20.49%-29.24% Variable APR | |
Intro APR0% on Purchases for 12 months and 0% on Balance Transfers for 21 months | Intro APR0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies | Intro APR0% intro APR on purchases and Balance Transfers for 15 months |
Recommended Credit Score |
Recommended Credit Score |
Recommended Credit Score |
NerdWallet review
By Ben Luthi
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Rating details
3.6
Editor's overall rating
Pros and cons
Pros
No annual fee
Intro APR period on Purchases and Balance Transfers
Cons
No rewards
The Citi® Diamond Preferred® Card has a long 0% intro APR period that can give you back time and savings to pay down debt. It also offers the flexibility to choose a payment due date that works around your payday schedule, making it easier to pay off debt at your own pace.
While it makes the cut as a candidate for a balance transfer, there are some potential drawbacks to consider. It has a $5 or 5% balance transfer fee (whichever is greater) which may be a deal-breaker. And, it doesn’t offer rewards or other valuable incentives to keep you using the card after you finish paying off your balance. Other credit cards can offer more value and lower fees.
To learn more, check out our full editorial review.