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Citi Diamond Preferred Card card art
Citi · diamond preferred

Citi Diamond Preferred Card

4.0 / 5
Cash back · Personal card

A debt-payoff card, not a rewards card. The 21-month transfer window is the entire point.

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At a glance

Welcome bonus
No welcome bonus
No spend requirement
Annual fee
$0
Purchase APR
16.49% to 27.24%
Intro: 0% for 12 months
FX fee
3%
BT intro: 0% for 21 months
Editorial

Our take

A debt-payoff card, not a rewards card. The 21-month transfer window is the entire point.

Verdict

Pros & cons

Pros

  • 21 months 0% on balance transfers
  • 12 months 0% on purchases
  • No annual fee
  • Long ongoing APR range

Cons

  • No rewards earning
  • Balance transfer fee applies
  • 3% foreign transaction fee
  • No welcome bonus
Benefits

Key benefits

21 months 0% on transfers

One of the longest 0% intro APR periods on balance transfers.

12 months 0% on purchases

Carry new purchases interest-free for a year.

No annual fee

Keep it open indefinitely without paying to hold it.

Fit

Who this is best for

  • Anyone consolidating high-APR balances
  • Large planned purchases you want to pay off over a year
  • Households running down existing card debt
FAQ

Frequently asked questions

What is the Diamond Preferred welcome bonus?
No welcome bonus. The headline benefit is the long 0% intro APR.
Does the Diamond Preferred charge an annual fee?
No. The Diamond Preferred has a $0 annual fee.
Does the Diamond Preferred have a foreign transaction fee?
Yes. The Diamond Preferred charges a 3% foreign transaction fee on purchases made outside the US.
Does the Diamond Preferred offer a 0% intro APR?
Yes. The card offers an intro APR of 0% for 12 months on purchases. The ongoing purchase APR is 16.49% to 27.24% variable.
Who is the Diamond Preferred best for?
Anyone consolidating high-APR balances. Large planned purchases you want to pay off over a year. Households running down existing card debt.
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Citi Diamond Preferred Card

No spend requirement
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Rates accurate as of October 6, 2026. Issuer terms.