With 0% APR on purchases and balance transfers for 21 months, the Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases is a market leader for innovative intro offers with one of the longest 0 percent intro APR offer we know of. The Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases credit card takes benefits to another level by continuing to spoil customers long after the 21 month intro offer expires with VIP treatment: personalized concierge service, exclusive deals and access to pre-sale tickets for live events. (Citi® is a CardRatings.com advertiser).
Let’s start with the most obvious: You get 0% APR on purchases and balance transfers for 21 months. The length of this introductory offer is simply unheard of.
This card is all about VIP treatment, giving regular folk a taste of the exclusivity and benefits that the other half typically enjoys. One great card benefit is Citi’s® 24/7 personal concierge service, where a representative will do everything from book your hotel to make your restaurant reservations. Want to see Fleetwood Mac in concert or Martin Short do his schtick? Citi® Private Pass® extends the special treatment by allowing cardmembers to purchase pre-sale tickets and VIP packages to concerts and various live events.
Price rewind is a new feature to the suite of Citi consumer products. The feature searches for a lower price on the registered items you pay for in full with your Citi card, and if the same item is found online at a lower price within 60 days of your purchase, you may receive a refund of the price difference. You're covered for up to $300 per item, and up to $1,200 per year.
If you think a credit card also should save you money, you’ll like Citi® Easy Deals (SM). The program gives you access to gift cards, merchandise and more than 200,000 exclusive, members-only discounts at retailers like CVS and the Gap.
It’s all about priorities when determining if this card is for you. If you’re looking for a low interest card for balance transfers and purchases that lasts just shy of two years, this is a great choice. If you’re looking for high-ongoing perks like cash back or airline miles, this isn’t the card for you.
And though the 0% intro APR for 21 months is one of the longest on the market, don’t get blindsided by the APR after the intro offer. Depending on your creditworthiness the APR can shoot up significantly. See terms for the most current APR terms.
Both cards offer 21 months of 0% APR for balance transfers and purchases. Both cards offer benefits like Price Rewind, travel assistance, worldwide car rental insurance, and shopping protection features. So, what really differentiates these two cards?
Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases is dedicated to ongoing concierge services whereas Simplicity has unique perks regarding payments: no late fees or penalty APR ever — a fairly unheard of concept. The choice between these two cards will boil down to this: which perks match your lifestyle better?
It’s all about priorities: If you want a long 0% APR period go for Citi® Diamond Preferred®, if you want ongoing cash benefits go for Blue Cash Everyday® Card from American Express.
Both these cards are powerhouses when compared side by side: No annual fees and long intro APRs for purchases and balance transfers, though the Citi® Diamond Preferred® does win out with its 21-month intro period as compared to 15 months with the Chase Freedom Unlimited℠.
That said, if you can get by with the shorter intro period, what the Chase Freedom Unlimited℠ has over the Citi Diamond Preferred® is rewards-earning potential; an unlimited cap and 1.5 percent cash back on all purchases. If you’re in it for the rewards, Chase Freedom Unlimited℠ is a better choice; if you need a long intro APR, go with the Citi® Diamond Preferred®.
Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases is perfect for someone with excellent credit who needs a card for everyday purchases without worrying about accumulating interest right away. With no annual fee and VIP treatment Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases might offer enough to be a good trade-off for the lack of rewards.