The Diamond Preferred is a balance transfer card and very little else: 21 months of 0% intro APR on balance transfers, 12 months on purchases, and no annual fee. That transfer window is among the longest on the market and is the entire reason to open the card, which is why it sits at #5 on our Best 0% APR Credit Cards list. Be clear about what you give up, though: the card earns no rewards at all, and it charges foreign transaction fees, so it is a poor companion abroad. After the intro period the regular APR runs 16.49% to 27.24%, which means the payoff plan needs to finish inside the 21 months to be worth it. Open it to clear a balance, then expect it to sit unused.
Earn rates & credits
Card details
Regular APR | 16.49%–27.24% variable |
Intro APR on purchases | 0% for 12 months |
Intro APR on balance transfers | 0% for 21 months |
Foreign transaction fee | Yes |
Approval odds
Product changes
Where cardholders came from before landing on this card, and what they moved it to afterwards. Thicker flows carry a larger share of the changes in that direction.
Citi Diamond PreferredBased on 1 reported product change. Percentages are shares of each direction, not of all cardholders, and a small sample can swing a long way.