Advertiser & Editorial Disclosure

Citi® Diamond Preferred® Card

  • 0% Intro APR on balance transfers for 21 months from date of first transfer. After that, the variable APR will be 13.74% - 23.74%, based on your creditworthiness. All transfers must be completed in first 4 months
  • 0% Intro APR on purchases for 12 months from date of account opening. After that, the variable APR will be 13.74% - 23.74%, 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
  • 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
  • Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions
  • The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion

Nav's Verdict

Cost
60% Complete
HighLow
Effort to Apply
10% Complete
DifficultEasy
Card Perks
40% Complete
PoorGood
Features
30% Complete
PoorGood

8/10

Bottom Line

A great balance transfer card for anything transferred in the first 4 months.

Pros

Longer balance transfer period than other offers.

Cons

No rewards on spending. Intro APR period is shorter for purchases.

Rates and Fees
Intro APR
0% for 12 months on purchases
Purchase APR
13.74% - 23.74% (Variable)
Annual Fee
$0
Foreign Transaction Fee
3%

Reviews

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