If you’re looking for a smart way to manage high-interest balances or finance a big purchase, the Citi Diamond Preferred® Credit Card could be the solution you’ve been waiting for.
With a 0% intro APR for 21 months on balance transfers and 12 months on purchases, it offers serious breathing room to pay down debt without the pressure of interest.
Why This Card is for You?
The Citi Diamond Preferred® card is a fantastic option for anyone focused on financial stability. Whether you’re transferring high-rate balances or making new purchases, this card offers extended interest-free periods.
You’ll also have access to helpful features like 24/7 customer service, digital wallets, and automatic alerts to manage your account with confidence.
Pros and Cons of the Citi Diamond Preferred®
Before making your decision, it’s important to weigh the pros and cons:
Pros
- 0% intro APR on balance transfers for 21 months: One of the longest intro periods available.
- No annual fee: Keep more money in your pocket while paying down balances.
- $0 liability and ID Theft Protection: Strong security benefits with no extra charge.
Cons
- No rewards program: This card focuses on saving, not earning points or cash back.
- 3% foreign transaction fee: Not ideal for international purchases.
How to Apply for Your Citi Diamond Preferred®
Applying is fast and fully online. Head to the Citi Diamond Preferred® card page and fill out the application form with your personal and financial details. The approval decision is usually quick, and if approved, your card will be mailed shortly after.
Once you receive your card, you can activate it and begin your balance transfers or make your first purchase to take full advantage of the 0% intro APR. Don’t wait—this offer is only available to new cardmembers and must be used within four months of account opening to qualify.