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DEMOCRATIZE FINANCIAL INDEPENDENCE


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TAKE A BREAK FROM HIGH INTEREST: THIS TOP CARD OFFERS 21 MONTHS OF 0% INTRO APR
ON BALANCE TRANSFERS

CREDIT CARDS - 0% APR CREDIT CARDS

By Tracy Odell
Updated Oct. 30, 2023
Fact checked
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professional fact-checkers verify article information against primary sources,
reputable publishers, and experts in the field.



We receive compensation from the products and services mentioned in this story,
but the opinions are the author's own. Compensation may impact where offers
appear. We have not included all available products or offers. Learn more about
how we make money and our editorial policies.

Balance transfer cards can help you pay off high-interest debt faster. The
FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance
transfers and Citi® Diamond Preferred® Card is our favorite for its extra-long
no interest period and no annual fee.



Top Pick
Citi® Diamond Preferred® Card

4.4

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.


Apply Now
on Citi's secure website
Rates & Fees
More Details +


WHAT YOU NEED TO KNOW:

 * 0% intro APR on balance transfers for 21 months — Wipe out high interest
   rates for nearly 2 years!
 * 0% intro APR for 12 months on purchases
 * Choose your payment due date
 * $0 annual fee



The Citi® Diamond Preferred® Card, from our partner Citi, stands out from other
cards with its industry-leading 21 months of 0% intro APR for balance transfers.
After the intro periods for purchases and balance transfers, the APR is 18.24% -
28.99% (Variable).



4.4

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.


Rates & Fees
Top Pick
Citi® Diamond Preferred® Card
Apply Now
on Citi's secure website
Card Details
 * 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 18.24% - 28.99%, 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.
 * No Annual Fee - our low intro rates and all the benefits don’t come with a
   yearly charge.

Why We Like It

The Citi® Diamond Preferred® Card is a great option if you need to finance a
large purchase or have existing credit card debt and would like to pay it down
over time. 

Cardholders can enjoy a 0% intro purchase APR for 12 months from date of account
opening and a 0% intro APR on balance transfers for 21 months from the date of
first transfer. After that, the regular 18.24% - 28.99% (Variable) APR will
apply.

In addition to its introductory APR, this card also has no annual fee, making it
a solid, inexpensive option.






WHAT WE LIKE ABOUT THE CITI DIAMOND PREFERRED CARD

Where this card really shines is its generous 0% introductory APR period for
balance transfers for 21 months, then 18.24% - 28.99% (Variable). It’s one of
the longest periods of interest-free payoff available. If you don’t have credit
card debt but know you have a big upcoming expense, the Citi Diamond Preferred
card can also help you save money. That’s because purchases also have a 0% intro
APR period for 12 months, then 18.24% - 28.99% (Variable).


MORE BENEFITS AND PERKS

 * You can choose your payment due date: Nobody likes cash flow problems or
   making late payments. If you want the flexibility to choose your payment due
   date, then the Citi Diamond Preferred credit card is a great option. With
   Diamond Preferred, you can opt for a due date in the beginning, middle, or
   end of the month. You can also choose to receive automatic account alerts to
   remind you when a payment is due.
 * Unauthorized charge protection: With Citi Diamond Preferred, you’re protected
   against unauthorized credit card charges with $0 liability.
 * Entertainment access: Your Citi Diamond Preferred card gives you access to
   Citi Entertainment. This perk gives you special access to purchase tickets
   for thousands of events, ticket presales, and exclusive concerts, sporting
   events, and dining experiences.
 * Identity theft protection: As a cardholder, you get access to Citi Identity
   Theft Solutions. If you fall victim to identity theft, Citi can help you
   resolve the issue.
   
 * No annual fee: Keep even more money in your wallet - with the Citi Diamond
   Preferred, the annual fee is simply $0.
 * Apply online now


WHO IS THIS CARD BEST FOR?

Citi’s Diamond Preferred credit card is great choice for anyone who:

 * Has good credit or better: Citi Diamond Preferred applicants should typically
   have good to excellent credit for the best chance of approval.
 * Wants to save money on high-interest debt: You can't beat the Diamond
   Preferred's 0% introductory APR period for balance transfers for 21 months.
 * Needs to pay off a large purchase over time: You can breathe a little easier
   and give yourself time to pay off your balance before interest kicks in with
   the Diamond Preferred's 0% intro APR for 12 months on purchases.


IS THERE A BETTER BALANCE TRANSFER CARD?

The Citi Diamond Preferred is considered one the best balance transfer cards
available for good reason. With almost two years of 0% intro APR on balance
transfers, new cardholders have a long time to pay down their balances before
interest kicks in. You could pay down some sizable debt with such a lengthy
balance transfer period. Plus, there's no annual fee to worry about.


BOTTOM LINE

The Citi® Diamond Preferred® Card(Rates and fees) is a great choice for almost
everyone. Who doesn't love 21 months with 0% intro APR on a balance transfer —
all without an annual fee?

 * Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months
   and a 0% intro APR on purchases for 12 months. After the intro period, the
   APR is 18.24% - 28.99% (Variable).

 * Access to FICO score: When you’re trying to pay down debt and build credit,
   it’s important to know where you stand. The Diamond Preferred card gives
   cardholders access to their FICO credit score for free online or through the
   Citi mobile app.

 * Flexible Payment Date: Choose to pay your bill on any available due date in
   the beginning, middle, or end of the month.

 * Account Protection: Enjoy $0 liability on unauthorized charges and Fraud
   Early Warning.

» Click here to apply now and pay 0% interest until 2025 on balance transfers 

Extended 0% Intro APR for Balance Transfers

Citi® Diamond Preferred® Card

Benefits

Card Details

 * 0% intro APR on balance transfers for 21 months, then 18.24% - 28.99%
   (Variable) APR
 * 0% intro APR on purchases for 12 months, then 18.24% - 28.99% (Variable) APR
 * Choose your payment due date
 * No annual fee
 * Apply Now

 * 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 18.24% - 28.99%, 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.
 * No Annual Fee - our low intro rates and all the benefits don’t come with a
   yearly charge.

4.4

FinanceBuzz writers and editors score cards based on a number of objective
features as well as our expert editorial assessment. Our partners do not
influence how we rate products.


Apply Now

on Citi’s secure website

Rates and fees
Read Card Review

Intro Offer

Long introductory APR period for balance transfers

Annual Fee

$0

+ -

Why we like it

 * The Citi® Diamond Preferred® Card is a great option if you need to finance a
   large purchase or have existing credit card debt and would like to pay it
   down over time.

 * Cardholders can enjoy a 0% intro purchase APR for 12 months from date of
   account opening and a 0% intro APR on balance transfers for 21 months from
   the date of first transfer. After that, the regular 18.24% - 28.99%
   (Variable) APR will apply.

 * In addition to its introductory APR, this card also has no annual fee, making
   it a solid, inexpensive option.

 * Apply Now



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