Overview

If you are looking for a 0% intro APR credit card, Citi® Diamond Preferred® Card, is one of the best cards that offer a long introductory period. It lets new cardmembers enjoy 0% introductory APR on purchases and balance transfers for 12 months on purchases, 21 months on qualified balance transfers. In addition, this credit card has no annual fee and low balance transfer fees.

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Citi® Diamond Preferred® Card

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 13.74% - 23.74%, 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
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The standard variable APR for Citi Flex Plan is 13.74% - 23.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion.

Card Benefits

0% APR and Fees

The Citi® Diamond Preferred® Card offers 0% APR for 12 months on purchases, 21 months on qualified balance transfers on both purchases and qualifying balance transfers. After the intro period ends, the go-to rate of 13.74% - 23.74% (variable) applies.

When you are short of cash for expensive merchandise or travel, you can take advantage of the 0% interest to pay for purchases now and pay off the balance 12 months on purchases, 21 months on qualified balance transfers later. You just need to make minimum payments shown on your credit-card statements every month to avoid paying any interest or fees during the first 18 months of card membership.

In addition to allowing you to enjoy 0% interest on purchases, this credit card also lets you have 0% interest on qualifying balance transfers. For example, if you carry a balance on other credit cards, you may transfer the existing balance to your new Citi Diamond Preferred Card in the first 4 months of account opening. In this way, you can save money by paying no interest for an additional 12 months on purchases, 21 months on qualified balance transfers.

Citi Diamond Preferred Card has no annual fee, which makes it free to use as long as you make payments online to avoid late fees or interest. However, there is a small fee for balance transfer transactions. It charges a one-time transaction fee at 3% of the transferred balance with a minimum of $5, which is among the lowest of all balance-transfer credit cards available in the U.S. market.

Free FICO Score

Card members of Citi Diamond Preferred Card will enjoy the benefit of having access to their FICO credit scores for free. You can see your FICO credit scores within online banking or mobile banking app.

Required Credit Rating

The Citi Diamond Preferred Card is for people who maintain excellent or good credit ratings.

Is this the right card for you?

If you want to take advantage of 0% APR to save money when you need extra financial assistance, the Citi Diamond Preferred Card is just the perfect card for you. It is among the best 0% interest credit cards with a long introductory period. You can use it to pay 0% interest for making expensive purchases now or for paying off existing credit-card debt. The credit card also has many friendly benefits for its card members, such as no annual fee, a low transaction fee for balance transfers, and free access to FICO credit scores.

Similar 0% Interest Credit Cards

If you are interested in the Citi Diamond Preferred Card, you may also consider a few other credit cards with similar benefits.

0% Interest for 18 Months or More

Credit Card		0% Introductory Interest	Annual Fee
	U.S. Bank Visa® Platinum Card	0% on purchases and balance transfers for 20 billing cycles	$0
	BankAmericard® credit card	0% on purchases and qualifying balance transfers for 18 billing cycles	$0

0% Interest for 15 Months

	0% Introductory Interest	Annual Fee
Bank of America® Customized Cash Rewards credit card	0% on purchases and qualifying balance transfers for 15 billing cycles	$0
Blue Cash Everyday® Card from American Express	0% on purchases and balance transfers for 15 months (rates & fees)	$0 (fees)
Chase Freedom Unlimited®	0% on purchases for 15 months	$0

0% Interest for 12 Months

	0% Introductory Interest	Annual Fee
Bank of America® Travel Rewards credit card	0% on purchases for 15 billing cycles	$0
Blue Cash Preferred® Card from American Express	0% on purchases for 12 months (rates & fees)	$0 introductory annual fee for the first year, then $95. (fees)
U.S. Bank Altitude Go Visa Signature Card	0% on purchases and balance transfers for 12 billing cycles	$0