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

Our Detailed Review of This Card

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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.


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

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