Citi Diamond Preferred

The Diamond Preferred is built for one job: 21 months of 0% intro APR on balance transfers, one of the longer payoff runways available, with no annual fee. That makes it a strong choice if you are carrying high-interest debt and want close to two years to pay it down without interest piling up. Purchases get a shorter 12-month 0% window, so it is less suited to financing a big new purchase than to clearing an existing balance. The tradeoff is that the card earns no rewards and charges a foreign transaction fee, so once the intro period ends there is little reason to keep using it. Open it for the balance transfer window, stick to a payoff plan, and plan to move your everyday spending elsewhere.