Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer Citi<sup>®</sup> Diamond Preferred<sup>®</sup> Card – 21 Month Balance Transfer Offer
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Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer Review

Apply for a Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer
Rating:
Bottom Line:
21-month 0% intro APR on balance transfers; 12-month 0% intro APR on purchases; post-intro APR is also low

Full Review:
The Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer (a NextAdvisor advertiser) offers the longest 0% intro APR period for balance transfers of any card we've found.

Featuring a lengthy 21-month 0% intro APR on balance transfers and a 12-month 0% intro APR on 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 year without paying a dime of interest. And after the interest-free months are up, the card's post-intro APR is very reasonable at 14.74% - 24.74%* (Variable), depending on your creditworthiness. There is a 5% balance transfer fee to consider, which is higher than the fees charged by our other top-rated cards, but depending on how long you need to pay down that balance, it could be worth it. To find out if this card is best for your situation, use our free and easy Balance Transfer Calculator.

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 on balance transfers and a reasonable 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.

Highlights From Citi
  • 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 14.74% - 24.74%, based on your creditworthiness
  • 0% Intro APR on purchases for 12 months from date of account opening. After that the variable APR will be 14.74% - 24.74%, 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
  • $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 12 months, then 14.74% - 24.74%* (Variable).
  • Balance Transfer APR: 0%* APR for 21 months, then 14.74% - 24.74%* (Variable).
  • Balance Transfer Fee: 5% of each balance transfer; $5 minimum.
  • *Additional details can be found on the Citi landing page.


Apply for a Citi® Diamond Preferred® Card – 21 Month Balance Transfer Offer

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 12 months, then 14.74% - 24.74%* (Variable)
Balance Transfer APR:0%* for 21 months, then 14.74% - 24.74%* (Variable)
Annual Fee:$0*
Credit Needed:Excellent, Good

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