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Citi® Diamond Preferred® Card

Citi® Diamond Preferred® Card

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Our rating:3.6 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.

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Balance Transfers Intro APR
0% for 21 months on Balance Transfers
Purchases Intro APR
0% for 12 months on Purchases
Regular APR
13.74% - 23.74% (Variable)
Annual Fee
$0

Great for:

A relatively low ongoing APR. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have good to excellent credit. While you should do your best to pay off your balance in full by the end of the introductory period, this feature helps make it one of our picks for the best balance transfer credit card.

Highlights

  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 13.74% - 23.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • 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.

Features

  • 0% Introductory APR
    0% Introductory APR
  • Balance Transfer
    Balance Transfer
  • Excellent Credit
    Excellent Credit
  • Good Credit
    Good Credit
  • Low Interest
    Low Interest
  • No Annual Fee
    No Annual Fee

Staff Review

Editor's Rating:

3.6 out of 5

Our take: Thanks to its long introductory offer on balance transfers, the Citi Diamond Preferred Card is a solid option if you need to pay down debt. Just be sure to factor in the card’s high balance transfer fee when weighing options.

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All reviews are prepared by CreditCards.com staff. Opinions expressed therein are solely those of the reviewer. The information, including card rates and fees, presented in the review is accurate as of the date of the review.