CITI® Diamond Preferred ® Card

Fees:

  • No annual fee.
  • Balance transfer fee: $5 or 5% of the transfer amount, whichever is greater.

APR:

  • 0% introductory APR for 12 months on purchases, then 17.24% – 27.99% (variable).
  • 0% introductory APR for 21 months on balance transfers, then 17.24% – 27.99% (variable).

Offer:

  • Special 0% intro APR for 21 months on balance transfers and 12 months on purchases, ideal for reducing interest expenses.
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  • Long 0% introductory APR period: 12 months on purchases and 21 months on balance transfers, perfect for large purchases or debt consolidation.

  • Free access to your FICO® Score to monitor your credit health regularly.

  • Flexible payment options, allowing you to choose your payment due date for added convenience.
Features
  • 0% introductory APR for 12 months on purchases and 21 months on balance transfers.
  • No annual fee.
  • Balance transfer fee applies ($5 or 5% of the transfer amount, whichever is greater).
  • $0 liability for unauthorized charges for added security.
  • Mastercard® ID Theft Protection™ available at no additional charge.
  • Digital wallet compatibility for secure and fast online and in-store payments.
  • Contactless payment capabilities for speed and convenience.
  • 24/7 customer service for round-the-clock support.
Details

The CITI® Diamond Preferred® Card is an excellent choice for individuals seeking to reduce interest costs through balance transfers or needing time to pay off purchases. With a lengthy 0% introductory APR period of 12 months on purchases and 21 months on balance transfers, it’s a powerful tool for debt consolidation or financing large expenses. The card has no annual fee and offers features like free access to your FICO® Score, flexible payment due dates, and Mastercard® ID Theft Protection™. While it doesn’t offer rewards, its focus on affordability and convenience makes it a strong option for managing finances effectively.

Pros
  • No annual fee.
  • Long 0% intro APR period for both purchases and balance transfers.
  • Access to FICO® Score for credit monitoring.
  • Flexible payment due dates.
  • Enhanced security with $0 liability and ID theft protection.
Cons
  • No rewards or cash-back program.
  • Balance transfer fee applies.
  • High APR after the introductory period (17.24% – 27.99%).
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Responsible Credit Card Usage

While credit cards can offer convenience and benefits, it’s crucial to use them with caution. Be aware of interest rates, fees, and repayment terms to avoid accumulating unmanageable debt. It’s easy to overspend, so always stay within your budget and aim to pay off your balance in full each month to avoid interest charges. Before choosing a credit card, thoroughly review its terms and conditions directly with the provider and ensure that it aligns with your financial situation and spending habits. Responsible usage is key to maintaining good financial health.

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