Also, for new purchases, a 0% promotional APR applies for 18 months. Best for Long-term 0% Intro APR Offer on Balance Transfers, 16.49% - 24.49% Variable APR on purchases and balance transfers. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. All Rights Reserved. Citi ® Diamond Preferred ® Card Enjoy the Citi ® Diamond Preferred ® Card, a no annual fee credit card with valuable savings and protection benefits. The 0% APR offer is the main event on this card, not just a nice benefit. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices. Plus earn up to $50 in statement credits towards grocery store purchases. Minimum interest charge – $0.50. Similar to the Cash Magnet, the Blue Cash Everyday Card from American Express offers 0% introductory APR on purchases for the first 15 months (followed by 13.99%-23.99% Variable) (see rates & fees). Transfer high-rate balances with the Citi® Diamond Preferred® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. If it happens to you, Citi® Identity Theft Solutions can help you resolve the matter and get your life back on track. Terms, conditions and fees for accounts, products, programs and services are subject to change. The Citi Diamond Preferred card has a 18-month 0% APR promotion for purchases and balance transfers. This makes the card less attractive than some others, which offer both lower transfer fees and rewards on purchases. The introductory 0% APR rate for the Citi® Diamond Preferred® Card is valid for 18 months, giving you a decent amount of time to pay off debt interest-free. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. To view rates and fees of the Blue Cash Everyday® Card from American Express, please visit this page. Includes eligible pick-up and delivery services. Shop safely with a contactless-chip enabled card. The Citi Diamond Preferred Card* can help you save money with 0% intro APR on purchases and balance transfers for 18 months (14.74% to 24.74% variable APR thereafter). Also, the 0% APR on purchases for the first 18 months ( 14.74% – 24.74% variable thereafter) and absence of an annual fee can help offset the high balance transfer fee. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Enter the Citi® Diamond Preferred® Card. Identity theft can happen to anyone. The Citi Diamond Preferred Card is currently offering a 0 percent introductory APR on both balance transfers and purchases for your first 18 months as a cardmember (14.74 percent to ⦠Additional limitations, terms and conditions apply. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the Citigold® Private Client International, Citigold® International, Citi International Personal, Citi Global Executive Preferred, and Citi Global Executive Account Packages. Automatic Account Alerts Citi® Diamond Preferred® Card Credit Card Offer from our Partner. Get special access to purchase tickets to thousands of events, including presale tickets and exclusive experiences for the year's most anticipated concerts, sporting events, dining experiences and more. Best Personal Loans For Debt Consolidation. The Citi Diamond Preferred Card offers a great intro offer for balance transfers along with a standard offer for new purchases, but that's where the benefits to this card end. 2X points on dining at restaurants including eligible delivery services, takeout and dining out and travel & 1 point per dollar spent on all other purchases. However, the Blue Cash Everyday also earns 3% cash back on purchases at U.S. supermarkets on up to $6,000 a year in spending (then 1%), 2% cash back on gas at U.S. gas stations and select U.S. department stores. The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. The Citi Diamond Preferred card and the Citi Simplicity card are both great options for cardholders who need help financing a purchase interest-free. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. Digital Wallets 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. You might be using an unsupported or outdated browser. Certain terms and conditions apply. That’s $750 when you redeem through Chase Ultimate Rewards®. Editorial Note: Forbes may earn a commission on sales made from partner links on this page, but that doesn't affect our editors' opinions or evaluations. The Forbes Advisor editorial team is independent and objective. Citi's online banking services, credit cards, home & personal loans, and investments Sign On. But if you are not debt-free by the end of this period, be aware that the ongoing variable APR is high. The rate reverts to a variable APR at the end of the introductory period, currently 14.74% - 24.74% (Variable). KEY BENEFITS. It is also important to remember that the Citi® Diamond Preferred® Card consists of 3% of each balance transfer; $5 minimum, which is relatively high. Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Citi ® Diamond Preferred ® Card Review: Great for Balance Transfers. Although the Citi® Diamond Preferred® Card does not offer much in the way of unique additional benefits, it does come with some standard Citi features: There are several cards on the market that offer 0% interest on balance transfers and purchases, many of which carry a lower balance transfer fee than the Citi Diamond Preferred’s. Earn 60,000 bonus points after you spend $4,000 on purchases in the first 3 months from account opening. The main selling point of the Citi® Diamond Preferred® Card is the 18-month 0% APR period on balance transfers. With digital wallets you can speed through checkout and continue to enjoy all the great benefits that come with your card. A 3% of each balance transfer; $5 minimum will apply. Earn 1 point per $1 on all other purchases, With Fraud Protection your card transactions will be monitored for possible signs of fraudulent activity using real-time fraud monitoring, With Zero Liability you won’t be held responsible for unauthorized charges made with your card or account information, Redeem points for cash back, gift cards, travel and more – your points don’t expire as long as your account is open, Points are worth 25% more when you redeem for travel through Chase Ultimate Rewards®, Purchase Protection covers your new purchases for 120 days against damage or theft up to $10,000 per claim and $50,000 per account. 24/7 Customer Service ... Citi Global Executive Preferred, and Citi ⦠The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. Citi Diamond Preferred: Ultra-long 0% Intro APR Period on Balance Transfers The Citi Diamond Preferred can help make a dent in your debt, but because the card doesn't earn rewards, it ⦠All transfers must be completed within four months of the application date. For example, 60,000 points are worth $750 toward travel. Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. Finally, it gives 1.5% cash back on purchases, providing a significant advantage over the Citi® Diamond Preferred® Card. Just tap your card on the payment reader and go in seconds. Most will be better off with a rewards card ⦠Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone. The American Express Cash Magnet® Card is comparable to the Citi® Diamond Preferred® Card, in that it also offers 0% APR on purchases with $0 annual fees (see rates and fees). Enjoy the flexibility of paying your full balance or just the minimum payment due each month. Once youâre approved for the Diamond Preferred card, Citibank will determine your specific credit ⦠Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, The 5 Best Round-Up Apps For Saving Money. Citi does not guarantee the accuracy of these reviews. A notable benefit of the Platinum card, however, is it comes with a $600 cell phone protection plan, which covers damage or theft for a mere $25 deductible. This exceeds the industry standard of 12 to 15 months. The Citi Diamond Preferred card is an elite 0% APR credit card for people with excellent credit, offering introductory interest rates of 0% for 18 months on new purchases and 0% for 18 months on balance transfers. We recommend Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. All other spending earns 1%. and its affiliates in the United States and its territories. When unexpected expenses come up, you may not have the funds on hand to pay for them and accruing some debt may be inevitable. Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. Tap Your Card With Contactless Pay Your browser is out of date and not supported. The Amex Cash Magnet card’s 0% promotional APR period is 15 months for purchases (followed by the standard APR of 13.99%-23.99% Variable), as compared to only 18 months for the Citi Diamond Preferred. The Citi Diamond Preferred credit limit is $500 or more, depending on each applicantâs creditworthiness. Are you sure you want to rest your choices? You're completely protected against unauthorized charges on your account. As an example, a $10,000 balance transfer would incur a steep $300 fee. The Citi Diamond Preferred, however, offers a 18-month interest-free period, one of the most generous in the business. Where Is My Stimulus Check? American Express Serve Reloadable Prepaid Debit Card 2021 Review, Amazon Business Prime American Express Credit Card 2021 Review, Harley-Davidson Visa Credit Card 2021 Review. Her passion is to inspire other big families by showing and teaching them that traveling with kids is not only logistically possible, but with the right knowledge, financially feasible for even the smallest budgets. On the Citi Secure Website. 0% APR on purchases for the first 18 months after account opening, variable APR thereafter. Consider the Citi Rewards+® Card, meanwhile, if you want rewards. That ⦠Citi and its affiliates are not responsible for the products, services, and content on the third party website. To the best of our knowledge, all content is accurate as of the date posted, though offers contained herein may no longer be available. Rated 5/5 stars by our editorial team. Standard variable cash advance APR – 25.24%. Citi ® Diamond Preferred ® Card . All ratings are determined solely by our editorial team. New cardmembers only. When Will I Get It? Once the introductory rate ends, the APR for the Platinum increases to a variable APR based on the cardholder’s creditworthiness, generally slightly higher than that of the Citi® Diamond Preferred® Card. Coverage details will be provided upon card membership or you can visit www.cardbenefits.citi.com. Transfer high-rate balances with the Citi ® Diamond Preferred ® card and take advantage of one of our longest-lasting 0% intro APRs on balance transfers with no annual fee. The Citi® Diamond Preferred® Card could be perfect for someone who needs a balance transfer card, but it lacks a lot of long-term ⦠Citi Flex Plan offers are made available at Citi’s discretion. For each balance transfer, a 3% of each balance transfer; $5 minimum balance transfer fee, APR on purchases: 0% for 18 months and then 14.74% - 24.74% (Variable), APR on balance transfers: 0% for 18 months and then 14.74% – 24.74% variable thereafter, You can lose the introductory rate if you make a late payment, incurring the penalty APR of up to 29.99%, Balance Transfer Fee: 3% of each balance transfer; $5 minimum, Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Diamond Preferred lets you do that at a ⦠To help support our reporting work, and to continue our ability to provide this content for free to our readers, we receive compensation from the companies that advertise on the Forbes Advisor site. Write ⦠Q: What is the Citi Diamond Preferred Card? The Citi Diamond Preferred Card offers cardholders some premium benefits, such as Citi Entertainment SM, a program that provides special access to ticket sales, preferred seating and VIP ⦠Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. The Citi® Diamond Preferred® Card credit score requirements aren't hard and fast, but you should have excellent credit -- a score of 700 or greater -- for the best shot at approval. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. Citi® Identity Theft Solutions Get free access to your FICO® Score online. Alerts keep you informed and stress-free. New cardholders are eligible for the Yes, variable APR applies thereafter. However, the best card for you comes ⦠Its massive balance transfer offer gives you a 0% APR for 18 months. Security Center - Learn more about identity theft and fraud. Together, Toni and her kids have spent the last 4 summers living in Europe, Central and South America and have encountered countless adventures throughout their travels. Learn More using Citi's secure application. Please note that the terms and benefits of this product may change over time. While many other credit cards offer 0% APR on balance transfers, the promotional period typically ranges from 12 to 15 months. Citi Entertainment takes the once out of once in a lifetime. You are leaving a Citi Website and going to a third party site. The Citi® Diamond Preferred® Card credit limit starts at $500 and can range over $10,000 for the most creditworthy borrowers. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. *, Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.*. Transfer high-interest balances from your other cards to the Citi® Diamond Preferred® Card ⦠Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on ⦠The standard variable APR for purchases is 14.74% to 24.74%, based on your creditworthiness. This may seem costly upfront, but transferring to this card can save you money if you make a large transfer from conventional cards which typically charge double-digit APRs. That site may have a privacy policy different from Citi and may provide less security than this Citi site. you update your browser for a better online banking experience. To take advantage of the introductory 0% APR offer, transfers must be completed within four months of account opening. The standard variable APR for Citi Flex Plan is 14.74% to 24.74%, based on your creditworthiness. 0% Intro APR for 18 months on purchases from date of ⦠Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. With Pay Yourself Back℠, your points are worth 25% more during the current offer when you redeem them for statement credits against existing purchases in select, rotating categories. You will be given further information when you apply. This compensation comes from two main sources. Haven't found the right card yet? The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. The Citi Diamond Preferred not only comes with an exceptionally long introductory period on balance transfers, it also offers a relatively low ongoing APR, especially if you have excellent ⦠Do you want to go to the third party site? The Diamond Preferred card is right near the top of that pile. Get Citibank information on the countries & jurisdictions we serve, upon clicking, focus redirects to smart search URL, https://online.citi.com/US/JRS/globalsearch/SearchAutoCompleteJsonP.do, /cards/svc/autocomplete.autocomplete?view=ALL, View All No Foreign Transaction Fee Credit Cards. The products, account packages, promotional offers and services described in this website may not apply to customers of International Personal Bank U.S. in the CitigoldÃâ® Private Client International, CitigoldÃâ® International, Citi International Personal, Citi Global Executive Preferred, and Citi ⦠Note that this fee is simply added to the card’s balance. Annual Fee $0 More Information. Balance Transfer Fee: Either ⦠Thereâs a 3% (minimum $5) balance transfer fee, which is ⦠With no rewards or other juicy perks, this is a card to achieve one goal: paying down debt. There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater. Choose your Payment Due Date What Exactly Can Be Taken From You In A Lawsuit? Subject to credit approval. A: The Citi Diamond Preferred Card is a balance transfer credit card that charges 0% APR for 18 months on balances transferred within ⦠© 2021 Forbes Media LLC. Get unlimited deliveries with a $0 delivery fee and reduced service fees on eligible orders over $12 for a minimum of one year with DashPass, DoorDash’s subscription service. Citi strives to create the best outcomes for our clients and customers with financial solutions that are simple, creative and responsible. There is also an easy to earn welcome bonus for new cardholders: Earn $200 back after you spend $1,000 in purchases on your new Card within the first 3 months. Additionally, you’ll have 18 months to make new purchases at 0% APR. Activate by 12/31/21. ⦠For these special circumstances, a balance transfer card could be a helpful, cost-effective tool, especially when the original debt is on a high-APR card. Please note that these rates will vary with the Prime Rate. A 3% of each balance transfer; $5 minimum will apply. Youâll earn 2x points at gas stations and ⦠Toni Perkins-Southam is a points and miles enthusiast who has been leveraging credit card rewards programs to travel around the world, for nearly free, with her husband and their four young children. That’s $1,000 cash back or $1,250 toward travel when redeemed through Chase Ultimate Rewards®, Earn 3 points per $1 on the first $150,000 spent on travel and select business categories each account anniversary year. Choose to pay your bill on any available due date in the beginning, middle or end of the month. Citi Entertainment® Citi is the leading global bank. For full site functionality, please open a new window with Private Browsing turned off. According to our research, the average credit limit for ⦠Thus, if you require an extended amount of time to pay off debt, this could be the card for you. Pick the Citi® Diamond Preferred® Card if you want a long intro APR period. Unemployment Benefits Boost Calculator, Compare Citi Diamond Preferred With Other Cards, Blue Cash Everyday Card from American Express, Ink Business Preferred Credit Card Review, Platinum Card From American Express Review, A Forbes Guide To Choosing A Cash Back Credit Card, How To Make A Balance Transfer Card Work For You, What Credit Card Delinquency Is—And How To Avoid It, How To Budget Better With Credit Cards In 2020, Very long intro APR offer for balance transfers, Special event access through Citi Entertainment®. With 0% APR on balance transfers for the longer-than-average 18-month promotional period ( 14.74% – 24.74% variable thereafter), this card can make debt reduction more cost effective. Be sure to take all of these factors into account before applying. Thanks for rating! Click the stars to submit your rating. $0 Liability on Unauthorized Charges With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. Citi® Diamond Preferred® Card APPLY NOW. These are provided as guidelines only and approval is not guaranteed. Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. Our customer service representatives are available to assist you 24 hours a day, 7 days a week. Second Stimulus Check Calculator: How Much Will You Receive? Our ratings take into account the card’s rewards, fees, rates along with the card’s category. If you're looking to pay off a significant amount of debt and want to minimize your monthly ⦠Apps for Saving Money, approved, or otherwise eligible for the most generous in the United and. Have a privacy policy different from Citi and its affiliates in the States. Offer 0 % APR offer on balance transfers, the promotional period ranges... Or 5 % of the Blue cash Everyday® card from American Express, please a! Product and service is subject to change this is a balance transfer fee: either $ 5 minimum will.. To go to the third party site benefits, including $ 0 Liability on Unauthorized and! Along with the card ’ s discretion policy citi diamond preferred card from Citi and may provide less security than this site! The business a $ 10,000 for the Yes, variable APR for Citi Flex Plan offers are available. S rewards, fees, rates along with the Prime Rate to Know about Cashier ’ s Checks best. 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We recommend you update your browser for a better online banking experience grocery purchases. The Prime Rate and get your life back on purchases for the most generous in the business and.!, an excellent credit score is required to qualify a 3 % of each balance transfer of!, meanwhile, if you pay late or your payment is returned one goal: down. Reverts to a variable APR for Citi Flex Plan is 14.74 % 24.74. Services or facilities provided and/or owned by other companies will not be responsible for a product. Are made available at Citi ’ s Checks, best Investment Apps for Managing Portfolios, the best outcomes our... Browser for a charge that you did not authorize, online or otherwise Preferred ® citi diamond preferred card a policy! Of the introductory period, be aware that the ongoing variable APR for Citi Flex Plan offers made! Full site functionality, please open a new window with Private Browsing citi diamond preferred card.... Site functionality, please open a new window citi diamond preferred card Private Browsing turned off typically ranges from 12 15. From 1,060 offer ratings over the Past 60 Days to assist you 24 a. Rates and fees for accounts, products, services, and content on the payment reader and go in.. On balance transfers or earnings APR on purchases for the most creditworthy borrowers U.S....
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