dcsimg

Our credit card articles, reviews and ratings maintain strict editorial integrity; however we may be compensated when you click on or are approved for offers from our partners. How we make money.

Apply online for Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and PurchasesSponsored card
About Our Ratings
Credit Needed
Excellent, Good

Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases Review

Pros & Cons

  • Excellent card for those who are looking to consoldiate high interest credit card debt, with no annual fee.
  • 0% intro APR for 21 months on purchases and balance transfers which is among the longest 0% intro APRs we know of.
  • If you have a large purchase that will take a while to pay off, this is a clear winner for the task.
  • This card is only for those with Excellent credit. If you only have Good credit and want a long 0% intro APR on balance transfers, you may want to consider the BankAmericard® Credit Card

Top Features

Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
21 months
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
Purchase APR
13.99% - 23.99%* (Variable)

Full Review

Curtis Arnold Editor-in-chief

Citi® Diamond Preferred® Credit Card Essentials

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).

Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases at a glance:

  • No annual fee
  • 0% APR on purchases and balance transfers for 21 months
  • Access to personalized concierge service for booking hotels, flights and various entertainment events
  • Pre-sale tickets and VIP packages to concerts, entertainment and sporting events through Citi® Private Pass®
  • Apple Pay™

What Our Editors Like Most About the Citi® Diamond Preferred® Credit Card

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 feature 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 $500 per item, and up to $2,500 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.

Potential Downsides of the Citi® Diamond Preferred® Credit Card

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.

How the Citi® Diamond Preferred® Credit Card Compares to Other Cards

Citi® Diamond Preferred® Credit Card vs. Citi Simplicity® Card - No Late Fees Ever

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?

Citi® Diamond Preferred® Credit Card vs. Blue Cash Everyday® Card from American Express

The facts:

It’s all about priorities: If you want a long 0 percent APR period go for Citi® Diamond Preferred®, if you want ongoing cash benefits go for Blue Cash Everyday® Card from American Express.

Citi® Diamond Preferred® Card vs. Chase Freedom Unlimited®

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®.

Who Should Get This Card?

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.

This page was last updated on September 21, 2017

This card compared to other balance transfer cards

Balance Transfer Intro APR
0%*
0%
0%*
Balance Transfer Intro Period
21 months
15 months
21 months
Balance Transfer Fee
3% of each balance transfer; $5 minimum.
$0 Intro fee on transfers made within 60 days of account opening. After that: Either $5 or 5% of the amount of each transfer, whichever is greater.
3% of each balance transfer; $5 minimum.
Purchase Intro
APR:
0%* intro
Period:
21 months
APR:
0%
Period:
15 months
APR:
0%* intro
Period:
21 months
Purchase APR
13.99% - 23.99%* (Variable)
15.99%-24.74% Variable 
14.99% - 24.99% (Variable) 
Annual Fee
$0*
$0
$0*
This card is best for individuals seeking a low introductory APR offer and great online deals on name-brand merchandise, gift cards and even local deals.
CardRatings.com Editorial Staff

Citi® Diamond Preferred® Card - 21 Month Intro Offer on BT and Purchases details

Balance Transfer Intro APR
0%*
Balance Transfer Intro Period
21 months
Purchase Intro
APR:
0%* intro
Period:
21 months
Purchase APR
13.99% - 23.99%* (Variable)
Annual Fee
$0*

What Citi says about this card

  • Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 13.99% - 23.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer
  • Citi® Price Rewind searches for lower prices online for 60 days for your registered purchases: you can get back up to $500 per item and $2,500 a year*
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
  • Free access to FICO® Scores*

Credit Card Consumer Reviews:

  1. No reviews available for this card.   Be the first to review!

Write Consumer Reviews:





E-Mail will not be published









FIND THE
BEST CARD
FOR YOU
Select Your Credit Score:
(Ok to Guess)
Excellent
(720-850)
Good
(690-719)
Fair
(630-689)
Bad
(350-629)
None/Limited I don't Know
Apply online for Chase Slate®

Chase Slate®

  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Credit Needed:
Excellent/Good
Apply online for Citi Simplicity® Card - No Late Fees Ever

Citi Simplicity® Card - No Late Fees Ever

  • The ONLY card with No Late Fees, No Penalty Rate, and No Annual Fee...EVER
  • 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the variable APR will be 14.99% - 24.99% based on your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater
  • The same great rate for all balances, after the introductory period
  • Save time when you call with fast, personal help, 24 hours a day - just say "representative"
  • Enjoy the convenience of setting up your own bill payment schedule on any available due date throughout the month
Credit Needed:
Excellent, Good