Citi Diamond Preferred Card

The Citi Diamond Preferred Card offers a 0% intro APR for 21 months on balance transfers, making it ideal for those looking to manage debt without interest.

Last checked on June 13, 2026. We may earn a commission when you click through.

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✓ 0% intro APR for 21 months on balance transfers ✓ No annual fee ✓ Mastercard benefits and acceptance
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Citi Diamond Preferred Card

Mastercard · balance_transfer

Our Verdict

This card is an excellent choice for individuals focused on balance transfers due to its long 0% APR promotion.

What it really costs

Annual fee No annual fee
APR Range 17.74% – 28.49%
Minimum credit score 670

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Who it's for

Ideal for those needing to consolidate debt and avoid interest while paying it down.

Watch out

The high regular APR may lead to significant interest costs if the balance isn't paid off after the promotional period.

The good and the not so good

  • 0% intro APR for 21 months on balance transfers
  • No annual fee
  • Mastercard benefits and acceptance
  • Good for improving credit with responsible use
  • Access to Citi's customer service and mobile app
  • Higher APRs after the intro period (17.74% - 28.49%)
  • No rewards program
  • Requires a minimum credit score of 670
  • Limited benefits beyond balance transfers
  • Foreign transaction fees apply

In-Depth Review

The Citi Diamond Preferred Card shines with its **0% intro APR for 21 months** on balance transfers, making it particularly appealing for those needing to manage existing debt. This feature allows cardholders to pay down balances without accruing interest during the promotional period, providing significant savings compared to many competitors. Once the introductory period ends, APR rates can escalate between **17.74% and 28.49%**, which may deter some users. Those who do not pay off their balances in time could face hefty interest charges. Additionally, the card requires a **minimum credit score of 670**, limiting availability for some potential applicants. While users benefit from no annual fee, the card lacks a rewards program, which could be a drawback for those looking to earn points or cash back on their purchases. Furthermore, foreign transaction fees apply, making it less ideal for travelers. Overall, for individuals focused solely on balance transfers, this card serves its purpose well, but it may not satisfy the broader spending needs of all consumers. For further details, check the issuer's site at [Citi](https://www.citi.com/credit-cards/citi-diamond-preferred-credit-card).

Summary

The Citi Diamond Preferred Card is a strong option for balance transfers with its 21-month 0% APR, but it may not suit those seeking additional rewards or benefits.

What cardholders say

Cardholders appreciate the long introductory period but note the lack of rewards and high post-promo APR.

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