CardCompareHub

Citi® Diamond Preferred® Card

Mastercard Balance Transfer No Annual Fee 0% Intro APR

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Citi® Diamond Preferred® Card

Credit Score

680 850
Good - Excellent
Apply Now On Citi's secure website Terms apply. Approval is not guaranteed.

Annual Fee

$0

Foreign Fee

3%

Purchase APR

0% for 12 mo

Balance Transfer APR

0% for 21 mo

Regular APR

16.49% - 27.24% (Variable)

Rates & fees apply. View the Rates & Fees.

Editor's Take

CardCompareHub editorial

Editorial Note: This analysis reflects CardCompareHub's independent review. It has not been reviewed, approved, or endorsed by Citi.

The Diamond Preferred is a balance-transfer card: a long 0% APR window on balance transfers, a shorter window on purchases, no annual fee, no rewards. The intro balance transfer fee is lower than competitors that charge a flat higher fee from the start.

The combination of the long 0% transfer window and a lower intro fee makes this card meaningfully cheaper than other balance-transfer alternatives on the upfront cost. On a transfer of even modest size, the savings versus a flat-higher-fee competitor adds up. The shorter purchase APR window is the gap; if you also want a long purchase 0% window, BankAmericard wins, but BankAmericard charges a higher transfer fee. Pick Diamond Preferred when balance transfers are the primary use case and you can pay off the balance before the intro window expires.

Card Details

  • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.49% - 27.24%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
  • No Annual Fee - our low intro rates and all the benefits don't come with a yearly charge.
  • Buy now and pay later. Split your payment for eligible purchases of $75 or more into a fixed payment with Citi® Flex Pay.
  • Get free access to your FICO® Score online.
Also in: Top Credit Cards 2026 Balance Transfer Low Interest

Citi® Diamond Preferred® Card

Ready to apply? Visit the issuer's secure site.

Apply Now On Citi's secure website Terms apply. Approval is not guaranteed.

Rates & fees apply. See issuer's website for full terms and conditions.