Citi® Diamond Preferred® Card Review Credit Card 5 2017-05-23 14:24:15

Citi® Diamond Preferred® Card Review

Apply for a Citi® Diamond Preferred® Card
Bottom Line:
21-month 0% intro APR on both purchases and balance transfers; post-intro APR is also low

Full Review:
The Citi® Diamond Preferred® Card (a NextAdvisor advertiser) offers the longest 0% intro APR period of any card we've found. Featuring a lengthy 21-month 0% APR on balance transfers and purchases, it's perfect for anyone who wants to save money by transferring balances from other high interest rate credit cards onto this one. The Citi® Diamond Preferred® Card is also a great choice for anyone who wants to make purchases for the next 21 months without paying a dime of interest. And after the interest-free 21 months are up, the card's post-intro APR is very reasonable at 13.24% - 23.24%* (Variable), depending on your creditworthiness.

The Citi® Diamond Preferred® Card features the ability to choose your payment due date, making it easier to align your payment due date with when you receive your paycheck or other income. Just select an available due date at the beginning, middle or end of the month to pay your bill. Other card perks include free monthly Equifax FICO Scores, worldwide car rental insurance, extended warranty, and damage/theft purchase protection.

The Citi® Diamond Preferred® Card also provides a personal concierge service and access to special events and discounts. Citi Concierge gives you access to specially-trained experts who are available to help you with shopping, travel, dining, entertainment and other needs. Citi Private Pass grants access to exclusive events including presale tickets and VIP packages to concerts, sporting events and dining offers.

If you're looking for a credit card with the longest possible 0% intro APR and a low ongoing APR, we strongly recommend the Citi® Diamond Preferred® Card. Plus you can take advantage of card features like selecting your payment due date, concierge service and extended warranty.

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 13.24%-23.24% based upon your creditworthiness.*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer.
  • 24/7 access to Citi® Concierge for help in booking hotels, flights and more.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Fees and APR
  • Annual Fee: $0*
  • Foreign Transaction Fee: 3% of purchase amount.
  • Purchase APR: 0%* APR for 21 months on Purchases*, then 13.24% - 23.24%* (Variable).
  • Balance Transfer APR: 0%* for 21 months on Balance Transfers*, then 13.24% - 23.24%* (Variable).
  • Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.

Apply for a Citi® Diamond Preferred® Card

This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by Citi.

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Card Details

Features:Save money with a 0% intro APR on purchases and transfers
Purchase APR:0%* for 21 months on Purchases*, then 13.24% - 23.24%* (Variable)
Balance Transfer APR:0%* for 21 months on Balance Transfers*, then 13.24% - 23.24%* (Variable)
Annual Fee:$0*
Credit Needed:Excellent, Good

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