Citi® Diamond Preferred® Card Review
Issued by Citibank · No annual fee
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR wil
The Citi Diamond Preferred is a no-frills card built around one job: giving people a long interest-free window to pay down a balance or finance a large purchase. It is known for a lengthy introductory APR period rather than for rewards, which it does not earn.
That makes it a fit for a specific situation, someone carrying higher-interest debt who wants a runway to pay it off, or someone planning a big expense they would rather spread out without interest. If your goal is earning cash back or travel rewards, this is not the card for that; a rewards card serves that purpose better.
The math only works if you pay the balance down before the intro period ends, and balance transfers usually carry a fee. Confirm the current intro-APR length, the transfer fee, and the ongoing APR on the issuer site before applying, since those terms change.
Welcome offer
0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
Key facts
- Annual fee: $0
- Card type: personal
Terms apply. Verify the current offer on the issuer's site before applying.
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