Citi® Diamond Preferred® Card
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on Citibank's secure site
Welcome Offer
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Rewards Rate
N/A
Intro APR
0% for 12 months on Purchases and 0% for 21 months on Balance Transfers, then 16.49% - 27.24% (Variable)
Citi® Diamond Preferred® Card Review
Last Updated on May 13, 2026 A top pick for people looking to save money on credit card interest, the Citi® Diamond Preferred® Card from our partner Citibank is a no annual fee card that offers one of the longest 0% Intro APRs available for balance transfers.
OUR EXPERT REVIEW
Why We Like It
The Citi® Diamond Preferred® Card, from our partner Citibank, is a top pick for anyone looking to save money with a long intro APR on balance transfers. This card comes with an intro APR of 0% for 21 months on Balance Transfers and 0% for 12 months on Purchases. That lengthy intro period on balance transfers could potentially save you hundreds of dollars if you’re currently paying a high interest rate on another credit card.
Likewise, the 0% for 12 months on Purchases can come in handy if you need to make a big purchase and want to spread the payments out over a year with no interest. After the intro APRs, the ongoing interest rate will be 16.49% - 27.24% (Variable) APR. To top it off, the Citi® Diamond Preferred® Card charges no annual fee.
While this card doesn’t come with a dedicated rewards program on purchases, cardholders will enjoy the ability to split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay. And as you use this card to pay down your balances, you can monitor your FICO® Score online for free.
Pros & Cons
Pros
- Save on interest with an intro APR of 0% for 21 months on Balance Transfers
- Pay no annual fee and enjoy free access to your FICO® Score online
- Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Cons
- No rewards program or cash back on purchases
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Pros Explained
- Save on interest with an intro APR of 0% for 21 months on Balance Transfers: Having almost two years of 0% interest, 16.49% - 27.24% (Variable) APR thereafter, could potentially save you hundreds of dollars if you are transferring your balance from a high-interest credit card.
- Pay no annual fee and enjoy free access to your FICO® Score online: Many of the top credit cards come with annual fees that cut into your savings – not here. Plus, you can easily track your FICO® Score online as your pay down your balance.
- Citi® Flex Pay: Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
Cons Explained
- No rewards program or cash back on purchases: Since this card focuses primarily on helping you save money with lengthy low interest rates, you won't earn rewards on purchases.
- A balance transfer fee applies: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
