Save big with 0% APR for 21 months on balance transfers. The Citi® Diamond Preferred® Card is your go-to tool to manage debt smarter—no annual fee!
- 0% intro APR for 21 months on balance transfers (made in the first 4 months).
- 0% intro APR for 12 months on new purchases.
- No annual fee —save money while managing debt.
- Free access to your FICO® Score and exclusive Citi Entertainment® perks.
If you’re looking for a straightforward credit card to help you manage existing debt or finance large purchases, the Citi® Diamond Preferred® Card could be the ideal option. With one of the longest 0% APR periods available for balance transfers, a 0% APR on purchases, and no annual fee, this card is tailored for individuals with excellent credit who want to save on interest and take control of their finances. Let’s explore the card’s top benefits and why it stands out in the market.
Unmatched 0% Intro APR on balance transfers
The Citi® Diamond Preferred® Card offers one of the most competitive introductory APR offers for balance transfers:
- 0% APR for 21 months on balance transfers made within the first 4 months of account opening.
- After the introductory period, a variable APR of 17.49% to 28.24% applies, based on your creditworthiness.
This extended period of nearly two years gives you significant breathing room to:
- Consolidate high-interest credit card debt.
- Focus on paying down the principal balance without worrying about accumulating interest.
It’s one of the longest 0% APR offers available, making it an exceptional tool for individuals serious about debt reduction.
Important Note: A balance transfer fee applies—either $5 or 5% of the amount transferred, whichever is greater.
0% Intro APR for 12 months on purchases
In addition to its long balance transfer period, the card also offers:
- 0% APR for 12 months on new purchases.
This feature is especially valuable if you’re planning a large purchase—like home renovations, travel, or a major appliance—and want the flexibility to pay it off interest-free over a year.
Once the introductory 12-month period ends, the standard variable APR of 17.49% to 28.24% will apply, so it’s important to have a payment plan in place to make the most of this feature.
No annual fee
With the Citi® Diamond Preferred® Card, you’ll enjoy all its benefits without the burden of an annual fee. This makes it a cost-effective choice for individuals who:
- Want to focus on paying down debt or financing large expenses without added costs.
- Are looking for a reliable credit card for emergencies or financial flexibility.
The absence of annual fees ensures that every dollar you save on interest stays in your pocket.
Citi’s exclusive tools and cardholder perks
Beyond its powerful APR offers, the Citi® Diamond Preferred® Card includes several features that add long-term value:
- Citi flex loan: Convert part of your credit line into a fixed-rate loan with predictable monthly payments. It’s a great way to manage unexpected expenses or consolidate debt further.
- Citi Entertainment®: Enjoy exclusive access to presale tickets and VIP experiences for concerts, sporting events, and more. Whether you’re a music lover or a sports fan, this perk adds extra value for cardholders.
- $0 Fraud liability: You’re protected against unauthorized charges, so you can shop confidently knowing you won’t be held responsible for fraudulent transactions.
- Free access to your FICO® Score: Stay on top of your credit health with complimentary access to your FICO® Score through your online Citi account. Regular monitoring helps you maintain or improve your credit score.
Flexible payment options
The Citi® Diamond Preferred® Card also offers payment flexibility to help you manage your finances:
- Choose Your Payment Due Date: You can select a due date that works for your schedule—whether it’s at the beginning, middle, or end of the month. This flexibility makes it easier to plan your monthly budget.
- Digital Wallet Compatibility: Use your card with Apple Pay, Google Pay, or other digital wallets for quick and secure transactions.
- Contactless Payments: Tap your card to pay safely and efficiently wherever contactless payment is available.
Who should consider the Citi® Diamond Preferred® Card?
This card is ideal for individuals with good to excellent credit (FICO score of 670 or higher) who:
- Want to consolidate and pay off existing credit card debt with no interest for 21 months.
- Plan to make a significant purchase and need 12 months of interest-free financing.
- Appreciate a card with no annual fee and tools to manage finances effectively.
If your goal is to pay down debt, manage large expenses, or simplify your financial strategy, this card offers the perfect combination of benefits.
Final thoughts
The Citi® Diamond Preferred® Card is one of the most powerful tools for individuals looking to save on interest while managing debt or financing major purchases. With its industry-leading 0% APR for 21 months on balance transfers, a 12-month intro APR on purchases, and no annual fee, it provides incredible value for those with excellent credit.
If you’re ready to take control of your finances and save on interest, the Citi® Diamond Preferred® Card is a smart choice that delivers flexibility and financial peace of mind.
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