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Citi® Diamond Preferred® Card - 24 Month Balance Transfer Offer

Citi® Diamond Preferred® Card - 24 Month Balance Transfer Offer

 

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Your Rating:

4.2/5.0 from 2,027 Offer Ratings
Over the Past 60 Days!

(2,027) Over the Past 60 Days!

  • Regular Purchase APR 13.49% - 23.49%* (Variable)
  • Intro Purchase APR 0%* for 12 months on Purchases*
  • Intro BT APR 0%* for 24 months on Balance Transfers*
  • Annual Fee $0*
  • Credit Needed

    Excellent/Good

  • Card Brand Mastercard®

Card Details

Highlights

  • Click "APPLY NOW" to apply online or call 866-294-9359 TTY: Use Relay Service
  • 0% Intro APR on Balance Transfers for 24 months; after that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
  • 0% Intro APR on Purchases for 12 months; after that, the variable APR will be 13.49%-23.49% based upon your creditworthiness.*
  • If you transfer a balance with this offer, after your 0% Intro purchase APR expires, both new purchases and unpaid purchase balances will automatically accrue interest until all balances, including your transferred balance, are paid off.
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions.
  • No annual fee*
  • Free access to FICO® Scores*

Card Fees

Foreign Transaction Fee 3%

Balance Transfer Fee 3% of each balance transfer; $5 minimum.

Cash Advance Fee 5% of each cash advance; $10 minimum

Penalty APR Up to 29.99% (Variable)

Ongoing Information

Annual Fee $0*

Additional Card Details

$0 Fraud Liability Yes

Auto Rental Insurance Yes

Extended Warranty Program Yes

Roadside Assistance No

Purchase Protection Yes

Travel Assistance Yes

Flight Accident Insurance Yes

Lost Luggage Reimbursement Yes

Concierge Service Yes

Expert Reviews

From the CompareCards.com Editorial Team

For those looking for a credit card with a low interest rate and lengthy promotional purchase and balance transfer period, the Citi Diamond Preferred, from our partner Citi, card could be a great choice for you. This card offers an incredible intro APR of 0%* for 12 months on Purchases* and 0%* for 24 months on Balance Transfers* along with no annual fee. Not only is the regular APR highly competitive amongst other offers, but the Citi Diamond Preferred card also offers a multitude of card holder perks.

Cardholders will enjoy 24/7 access to Citi® Concierge for help in booking hotels, flights and more. Plus some entertainment perks, such as special access to ticket presales, preferred seating, VIP packages, and unique experiences through Citi Private Pass.

Additional perks include price protection on purchases for up to 60 days, automatic travel accident insurance, personal concierge service, car rental insurance, $0 liability on unauthorized purchases, and purchase protection against theft, fire or accidental breakage for up to $1,000 (valid 90 days from purchase date). The Citi® Diamond Preferred® credit card is a solid credit card choice for those with excellent credit looking for 0% intro rate.

Expert Reviews of the Citi® Diamond Preferred® Card - 24 Month Balance Transfer Offer

  • 4.5

    Regular APR

  • 5.0

    Intro APR

  • 5.0

    Fees

  • 3.5

    Benefits

  • star rating 5.0/5

    Overall Rating

The Bottom Line

This card is a great choice for those looking to save by avoiding considerable interest rate expenses on high card balances.

The Good

This card offers an industry-leading promotional intro periods that could save you hundreds if you're currently stuck under high interest credit card debt.

The Not so Good

If you are interested in cash back or rewards, this card isn't for you.

Editorial Note: This content is not provided by Citibank. Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and may not have been reviewed, approved or otherwise endorsed by Citibank.

Consumer Reviews

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Offer Rating

4.2/5.0

2,027 Total Ratings

5 Star
 
 
(1043)
4 Star
 
 
(592)
3 Star
 
 
(256)
2 Star
 
 
(78)
1 Star
 
 
(58)

Your Rating

There is nothing we value more than the opinions of our customers. We encourage open discussions among all users and hope we can all share advice. Please keep our site clean and safe by following our posting guidelines and please, don’t disclose personal information like your credit card numbers or account information.

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

+2009 users submitted a rating without a full review

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19 Found this review helpful

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By: | Aug 4, 2017

This card will allow me to reduce my debt

19 Found this review helpful

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By: | Aug 1, 2017

l Love this credit card

65 Found this review helpful

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By: | Apr 29, 2017

Great card. Love the balance transfers and CSR are great. Would definitely recommend this card.

53 Found this review helpful

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By: | Apr 27, 2017

21 months interest free! CSR have always been friendly! I recommend this card.

142 Found this review helpful

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By: | Feb 10, 2017

I love my mastercard more than my visa

181 Found this review helpful

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By: | Dec 4, 2016

It is also 0% for 21 months for balance transfers.

157 Found this review helpful

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By: | Nov 24, 2016

I can"t say enough about this card. I HAVE USED IT all over the world!

159 Found this review helpful

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By: | Nov 14, 2016

I like the 21 months

188 Found this review helpful

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By: | Sep 24, 2016

I like everything about this card especially 0% for 21 moths and no annual fee

216 Found this review helpful

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By: | Sep 17, 2016

Love love love this card. It is just amazing, the customer service is just outstanding,, they go above and beyond to meet my needs and to answer my questions, I am so happy I was approved and I now belong to the cool club! Thank you so much for giving me a chance to better myself and for all you hard work that you do to provide excellent customer service, keep up the good work!

230 Found this review helpful

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By: | Sep 6, 2016

I've had my MasterCard for a couple years now and I use it for everything from paying bills to grocery shopping and everything in between. The fraud prevention has come through for me on more than one occasion, with phone calls to verify suspicious activity on my account. I have had my card number compromised and the charges were intercepted quickly so that I did not have to pay any of the charges and wait for any chargebacks. If you are looking for first class customer service, a card with a low fee and monthly rewards for using your card, this is the one for you.

219 Found this review helpful

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By: | Aug 31, 2016

I wasn't interested in the transfer rate/ low interest as i had no debt to transfer....but, I wanted to do some 5 star landscaping and remodeling. Getting this card was like getting a 21 month 0% interest w/ no fees. Doesn't get any better than that. House looks great, balance is paid off at no extra interest cost to me. Win, win !!!

208 Found this review helpful

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By: | Jun 11, 2016

Almost two years of no intetest Awesome baby

176 Found this review helpful

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By: | Jun 1, 2016

I rent cars quite often so the rental insurance means a lot to me. It's a great card

539 Found this review helpful

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By: | Jul 20, 2015

Be careful about applying. They naturally check your rating and even if your credit rating is excellent (in the 850's) they will give you, in my opinion a low line of credit. And they don't say anywhere in their advertising that they will charge you 3% on balance transfers. Once they check your rating they will issue you the card even if you tell them you don' want the credit card.

4 Replies

By: Leslie Ayres | Apr 27, 2016

They do let you know the 3% fee in the ad I am looking at in fact that was exactly what I was looking for how much of a fee and had no problem finding that info. It was right up front.

By: Shea Yoon Baker | May 7, 2016

I agree with Leslie's comment. I originally applied for the Diamond Preferred card when I was in college and I found Citi to be up front and transparent. I was given an $8,000.00 credit limit even though I only worked part time. They also clearly stated that the balance transfer fee was 3% of the amount transferred. Lucky for me, when I applied, there was a $300.00 reward for new spending on the card in the first 3 months. I was able to transfer $6,000.00 onto this card, add $1,000.00 in new spending, and thus earn the $300.00 bonus. I was able to pay off all of my debt before the 0% APR expired and thus I avoided any interest payment AND actually came out ahead given the bonus! This card was a lifesaver for me and the customer service from Citi ever since has been amazing. This is a great card for those looking to transfer a balance; hands down the best from the several I've had.

By: Debbie Metrick | May 23, 2016

The 3% charge on balance transfers is right there in the card description!

By: Genaro Lasanta | Mar 3, 2017

Thanks for the input. But I have to disagree with that 3% balance transfer, cause it states it right up front.

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