If you're carrying credit card debt, you know how frustrating it is watching your payments get eaten up by interest instead of reducing your balance. It's hard to get out of that hole.
Here’s the reality: the average person with $5,000 in debt often pays over $1,200 in interest every year. That's money that could be paying down your actual debt instead.
The Citi® Diamond Preferred® Card can give you a way out.
Move your debt to the card and you’ll pay 0% intro APR for 21 months on Balance Transfers — nearly 2 full years interest-free where every dollar goes directly toward eliminating your debt, not to the bank.
Citi® Diamond Preferred® Card
Great for: Balance Transfers
4.70 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = Poor4.70 out of 5
Our ratings are based on a 5 star scale.
5 stars equals Best.
4 stars equals Excellent.
3 stars equals Good.
2 stars equals Fair.
1 star equals Poor.
We want your money to work harder for you. Which is why our ratings are biased toward offers that deliver versatility while cutting out-of-pocket costs.
= Best
= Excellent
= Good
= Fair = PoorBest for balance transfers
0% intro APR for 21 months on balance transfers is one of the longest interest-free periods available today.
Intro APR
Purchases: 0%, 12 months on Purchases
Balance Transfers: 0%, 21 months on Balance Transfers
Regular APR
17.24% - 27.99% (Variable)
Rewards
N/A
Annual Fee N/A
$0
Welcome Offer
N/A
- 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 17.24% - 27.99%, 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.
Here's What Makes This Card Different
- 0% intro APR for 21 months on Balance Transfers — One of the longest 0% periods available, letting you pause interest until 2027 while you pay down your debt
- 0% intro APR for 12 months on Purchases — Avoid interest for a full year on new spending too.
- Choose your payment due date — Align your bill with payday or simplify your budget.
- $0 annual fee — Keep more money in your pocket.
Applicants with a good to excellent credit score (670+) typically have the best odds of approval.
How Much You Could Actually Save: $2,328+
Let’s say you have $5,000 in credit card debt at 24% APR. Here’s what that could really cost:
- Without this card: $2,578 in interest over 21 months
- With this card: $0 interest — just a $250 balance transfer fee (either $5 or 5% of the amount of each transfer, whichever is greater)
- Total saved: $2,328 — real money back in your pocket instead of going to the bank
And if you have more than $5,000 in debt, your savings could be even higher.
Is This Card Right for You?
If you’re serious about paying off credit card debt, two things matter most: locking in as much interest-free time as possible — and acting quickly before more interest piles up.
With 0% intro APR for 21 months on Balance Transfers, The Citi® Diamond Preferred® Card gives you nearly two years to make real progress on your debt, instead of watching interest eat up your payments each month.
You won’t even pay an annual fee to hold the card, and applying takes just a few minutes from your phone or computer.
But don’t wait too long — we often see 0% intro APR periods get cut without notice, so it’s smart to act while this one’s still available.
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