Citi Diamond Preferred

The Diamond Preferred is a debt payoff tool, not a rewards card: 21 months of 0% intro APR on balance transfers and 12 months on purchases, with no annual fee, which is what puts it fourth on our Best 0% APR list. That transfer runway is among the longer ones available, so if your goal is to move existing debt and clear it on a schedule, it does the job cleanly. Be clear about the tradeoff, though: this card earns nothing at all, no cash back and no points, so there is no reason to spend on it once the intro window closes. It also charges foreign transaction fees, so leave it home when you travel. Open it with a payoff plan, follow the plan, and expect the card to go quiet afterward.