Am I eligible?
To get this card, you must also:
Note: This information is only intended as a guide. The final decision is up to the bank and your application could still be rejected even if you can answer 'Yes' to all the minimum criteria above. Always consider your options and your financial situation before you apply for a credit card.
What the Critics Are Saying...
- Nouri Zarrugh, Garrett Yarbrough, BankrateThis card’s long intro APR offer could give you a needed reprieve from interest charges, but its lack of ongoing rewards means it won’t offer much long-term value after you’ve paid off your balance.
- Eric Rosenberg, SlickDealsIf you need a little more time to make a dent in your debt, the Citi® Diamond Preferred® Card, from our partner Citi, offers you the chance to make it happen. The extended 21 months of 0% intro APR is the biggest reason this credit card is among the best for balance transfers to wipe out existing cr...
- Brian Martucci, Money CrashersIf you seek awesome service and the ability to finance big purchase or transfer high-interest balances without breaking the bank, you’d be hard-pressed to do better.
- Elite Personal FinanceCiti Diamond Preferred® Card is a great option for people seeking a balance transfer credit card offering 0% APR long-term. Just the privilege that you do not need to pay any interest on your purchases or balance transfers transferred from another card is by itself a significant beneficial aspect. S...
- Ryan Smith, The Points GuyAvoiding interest for 21 months could help you reduce stress and save money if you have significant credit card debt. However, you will pay a fee to transfer your balance(s) to the Citi Diamond Preferred. It's also worth considering whether you'll be approved for a new credit card if you have signif...
Details
| Interest Rates | |
|---|---|
| Regular APR Interest Rate |
17.74% ‐ 28.49% (Variable) (0% for the first 12 months) This APR will vary with the market based on the Prime Rate. |
| Balance Transfer Interest Rate |
17.74% ‐ 28.49% (Variable) (0% for the first 21 months)
|
| Cash Advance Interest Rate |
29.99% (Variable) This APR will vary with the market based on the Prime Rate. |
| Rates & Fees | |
| Annual Fee | $0.00 |
| Balance Transfer Fee |
5% Minimum of $5 |
| Cash Advance Fee |
5% Minimum of $10 |
| Foreign Transaction Fee |
3% Of each transaction in U.S. dollars. |
| Over Limit Fee | $0.00 |
| Late Payment Fee |
$41.00 Maximum |
| Promotions | |
| Sign up bonus | No |
| Rewards | |
| All Purchases | No |
| Restaurants | No |
| Gas | No |
| Groceries | No |
| Hotels | No |
| Travel | No |
| Pharmacy | No |
| Bills | No |
| Features & Benefits | |
| Additional Card Holders | Yes |
| Travel Accident Insurance | No |
| Car Rental Insurance | No |
| Car Rental Discount | No |
| Extended Warranty | No |
| Purchase Protection | Yes |
| Zero Liability | Yes |
| No Foreign Transaction Fees | No |
| Emergency Assistance | No |
| Concierge Service | No |
| Price Protection | No |
| Fraud Protection | Yes |
| Free Credit Scores | No |
| Wireless Payments | Apple Pay, Samsung Pay, Google Pay |
| Virtual Cards | Yes |
| Eligibility | |
| Minimum Security Deposit | $0 |
| Minimum Age | 18 |
| Minimum Personal Income | |
| Temporary Residents | No |
| More | |
| Additional comments | - |
| Terms & Conditions | Official Terms & Conditions |
| Suggest a correction |
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