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Citi® Diamond Preferred® Card

One of the Longest 0% Intro APR Periods For Balance Transfers We’ve Seen

The Citi® Diamond Preferred® Card sets itself apart with an incredible 21-month 0% intro APR offer on qualifying balance transfers and no annual fee, making it a top pick for anyone looking for ample time to pay off credit card debt.

Our expert's summary:

  • 0% intro APR on balance transfers for 21 months. This means you'll pay no interest until nearly 2026!
  • 0% intro APR on purchases for 12 months
  • Choose your payment due date
  • $0 annual fee

Simply put, if you’re looking to pay off debt by avoiding interest on balance transfers for the longest time possible, it’s hard to beat this card.

Citi® Diamond Preferred® Card

Great for: Balance Transfers

Logo for Citi® Diamond Preferred® Card
Rating image, 0.2125 out of 5 stars. 4.25/5 stars Circle with letter I in it. 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.
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Rating image, 0.2125 out of 5 stars. 4.25/5 stars Circle with letter I in it. 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
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Credit Score: Circle with letter I in it. Falling within this credit range does not guarantee approval by the issuer. An application must be submitted to the issuer for a potential approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.

Recommended Credit Score required for this offer is: Good/Excellent (670-850)

Good/Excellent (670-850)

Best 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

Balance Transfers: 0%, 21 months

Regular APR

18.24% - 28.99% (Variable)

Annual Fee

$0
  • 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.

What We Like About The Citi® Diamond Preferred® Card

0% introductory APR for 21 months on balance transfers: One of the longest introductory periods on balance transfers we've come across, you'll get a 0% intro APR on the balance transferred for a full 21 months, which means you’ll have almost two years to pay off your balance.

0% introductory APR for 12 months on purchases: You'll also get a 0% intro APR on new purchases for the first 12 months. This is a helpful perk if you plan on buying anything with the card, although if you're trying to pay off debt, it's wise to focus on repayment and not make any new purchases.

No annual fee: This card comes with no annual fee, which is an important feature if your goal is to pay off debt.

FICO® Score for free: The Citi® Diamond Preferred® Card provides you with access to your FICO® Score for free. If building or rebuilding credit is important to you, this feature is helpful.

Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it's in the beginning, middle, or end of the month. That way, you can set up automatic payments that are aligned with your paycheck.

Suggested credit score

A FICO® Score of at least 670 is recommended when you apply for the Citi® Diamond Preferred® Card. Citi designed this card for applicants with a credit score in the good to excellent credit range.

There are reports of people with scores in the mid 600s being approved for this card. For tips on increasing your credit score above 670, click here.

Increase your credit score in as little as one month?

Paying down credit balances is the fastest way to improve your FICO® Score. That's because 30% of your credit score is based on how much of your available credit you're using. Your credit utilization is reported monthly, which means paying off debt could improve your credit score in one month!

Final Take

If your priority is a long 0% intro APR for a balance transfer, the Citi® Diamond Preferred® Card clearly outshines the competition. The offer of 0% intro APR on purchases for 12 months is also helpful if you have an unexpected large expense and need to spread the cost out over time.

Our Credit Cards Experts