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

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

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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

Citibank Diamond Preferred Credit Card

Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

NerdWallet rating 
NerdWallet rating 
NerdWallet rating 
Annual fee

$0

Annual fee

$0

Annual fee

$0

Regular APR

14.99% - 24.99% Variable APR

Regular APR

19.99%-29.99% Variable APR

Rates & Fees

Regular APR

20.49%-29.24% Variable APR

Intro APR

0% on Purchases for 12 months and 0% on Balance Transfers for 21 months

Intro APR

0% intro APR for 15 months on purchases and balance transfers; balance transfer fee applies

Intro APR

0% intro APR on purchases and Balance Transfers for 15 months

Recommended Credit Score
Recommended Credit Score
Recommended Credit Score

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NerdWallet review

By Ben Luthi

Many or all of the products featured here are from our partners who compensate us. This may influence which products we write about and where and how the product appears on a page. However, this does not influence our evaluations. Our opinions are our own. Here is a list of our partners and here's how we make money.

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.