Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. Most will be better off with a rewards card … Coverage details will be provided upon card membership or you can visit www.cardbenefits.citi.com. Please note that these rates will vary with the Prime Rate. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. For full site functionality, please open a new window with Private Browsing turned off. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. This makes the card less attractive than some others, which offer both lower transfer fees and rewards on purchases. Your eligibility for a particular product and service is subject to a final determination by Citibank. However, the best card for you comes … This exceeds the industry standard of 12 to 15 months. Transfer high-rate balances with the Citi® Diamond Preferred® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, The 5 Best Round-Up Apps For Saving Money. A notable benefit of the Platinum card, however, is it comes with a $600 cell phone protection plan, which covers damage or theft for a mere $25 deductible. Get Citibank information on the countries & jurisdictions we serve, upon clicking, focus redirects to smart search URL, https://online.citi.com/US/JRS/globalsearch/SearchAutoCompleteJsonP.do, /cards/svc/autocomplete.autocomplete?view=ALL, View All No Foreign Transaction Fee Credit Cards. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Citi® Diamond Preferred® Card APPLY NOW. Thus, if you require an extended amount of time to pay off debt, this could be the card for you. While many other credit cards offer 0% APR on balance transfers, the promotional period typically ranges from 12 to 15 months. Citi® Diamond Preferred® Card Credit Card Offer from our Partner. Citi is the leading global bank. Toni Perkins-Southam is a points and miles enthusiast who has been leveraging credit card rewards programs to travel around the world, for nearly free, with her husband and their four young children. The Citi Diamond Preferred card has a 18-month 0% APR promotion for purchases and balance transfers. The Citi Diamond Preferred Card is currently offering a 0 percent introductory APR on both balance transfers and purchases for your first 18 months as a cardmember (14.74 percent to … 0% Intro APR for 18 months on purchases from date of … According to our research, the average credit limit for … At Citi, you will not be responsible for a charge that you did not authorize, online or otherwise. Thanks for rating! With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. The Amex Cash Magnet card’s 0% promotional APR period is 15 months for purchases (followed by the standard APR of 13.99%-23.99% Variable), as compared to only 18 months for the Citi Diamond Preferred. This is just one scoring method and a credit card issuer may use another method when considering your application. All transfers must be completed within four months of the application date. You’ll earn 2x points at gas stations and … When these rates expire, a variable APR will apply, based on your creditworthiness. For each balance transfer, a 3% of each balance transfer; $5 minimum balance transfer fee, APR on purchases: 0% for 18 months and then 14.74% - 24.74% (Variable), APR on balance transfers: 0% for 18 months and then 14.74% – 24.74% variable thereafter, You can lose the introductory rate if you make a late payment, incurring the penalty APR of up to 29.99%, Balance Transfer Fee: 3% of each balance transfer; $5 minimum, Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Citi and its affiliates are not responsible for the products, services, and content on the third party website. The Citi® Diamond Preferred® Card credit score requirements aren't hard and fast, but you should have excellent credit -- a score of 700 or greater -- for the best shot at approval. Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. If you're looking to pay off a significant amount of debt and want to minimize your monthly … Consider the Citi Rewards+® Card, meanwhile, if you want rewards. With 0% APR on balance transfers for the longer-than-average 18-month promotional period ( 14.74% – 24.74% variable thereafter), this card can make debt reduction more cost effective. Once the introductory rate ends, the APR for the Platinum increases to a variable APR based on the cardholder’s creditworthiness, generally slightly higher than that of the Citi® Diamond Preferred® Card. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Our customer service representatives are available to assist you 24 hours a day, 7 days a week. Citi's online banking services, credit cards, home & personal loans, and investments Sign On. Citi does not guarantee the accuracy of these reviews. Get free access to your FICO® Score online. When unexpected expenses come up, you may not have the funds on hand to pay for them and accruing some debt may be inevitable. As an example, a $10,000 balance transfer would incur a steep $300 fee. Second Stimulus Check Calculator: How Much Will You Receive? There is also an easy to earn welcome bonus for new cardholders: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. Pick the Citi® Diamond Preferred® Card if you want a long intro APR period. Her passion is to inspire other big families by showing and teaching them that traveling with kids is not only logistically possible, but with the right knowledge, financially feasible for even the smallest budgets. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®, Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. The standard variable APR for purchases is 14.74% to 24.74%, based on your creditworthiness. Also, an excellent credit score is required to qualify. The Citi Diamond Preferred card and the Citi Simplicity card are both great options for cardholders who need help financing a purchase interest-free. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi … Are you sure you want to rest your choices? With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. All ratings are determined solely by our editorial team. © 2021 Forbes Media LLC. The Citi® Diamond Preferred® Card offers no such rewards or earnings. Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following. The Citi Diamond Preferred Card* can help you save money with 0% intro APR on purchases and balance transfers for 18 months (14.74% to 24.74% variable APR thereafter). The Diamond Preferred card is right near the top of that pile. Be sure to take all of these factors into account before applying. Additionally, you’ll have 18 months to make new purchases at 0% APR. Includes eligible pick-up and delivery services. A 3% of each balance transfer; $5 minimum will apply. Please note that the terms and benefits of this product may change over time. Learn More using Citi's secure application. Balance Transfer Fee: Either … Additional limitations, terms and conditions apply. Digital Wallets All other spending earns 1%. 0% APR on purchases for the first 18 months after account opening, variable APR thereafter. Write … The Citi Diamond Preferred Card offers a great intro offer for balance transfers along with a standard offer for new purchases, but that's where the benefits to this card end. Haven't found the right card yet? You're completely protected against unauthorized charges on your account. To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. For these special circumstances, a balance transfer card could be a helpful, cost-effective tool, especially when the original debt is on a high-APR card. The American Express Cash Magnet® Card is comparable to the Citi® Diamond Preferred® Card, in that it also offers 0% APR on purchases with $0 annual fees (see rates and fees). For example, 60,000 points are worth $750 toward travel. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. Citi ® Diamond Preferred ® Card Review: Great for Balance Transfers. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Balance transfers must be completed within 4 months of account opening. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. To take advantage of the introductory 0% APR offer, transfers must be completed within four months of account opening. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. You might be using an unsupported or outdated browser. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Choose to pay your bill on any available due date in the beginning, middle or end of the month. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have excellent … Choose your Payment Due Date The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. 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