How to Earn Points and Miles for Free Travel
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Our take
The Citi Diamond Preferred® card has a highly competitive balance transfer offer. No annual fee along with no interest on balance transfers for 21 months makes the card one of the best solutions for anybody struggling with their credit card debt.
Details
- 0% Intro APR on balance transfers for 21 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
- 0% Intro APR on purchases for 12 months; after that the variable APR will be 14.99% - 24.99%, based on your creditworthiness.
- No Annual Fee.
- Citi customers enjoy special access to purchase tickets to thousands of events annually.
- Free access to FICO® Scores.
- Citi® Identity Theft Solutions.
- Travel & Purchase protection.
- Citi® Cards with Apple Pay®.
- 24/7 Customer Service.
Pros
0% Intro APR on balance transfers for 21 months
0% Intro APR on purchases for 12 months
No Annual Fee
Cons
No rewards option
Recomended Credit score
Poor
300
Fair
630
Good
690
Excellent
720
850
Balance transfer offer
Balance transfer intro apr
0%
Balance transfer intro apr duration
21 months
Balance transfer regular apr
14.99-24.99%
variable
Balance transfer fee
5%
min $5
Rates and fees
Purchase regular apr
14.99-24.99%
variable
Cash advance apr
27.24%
variable
Regular annual fee
$0
Cash advance fee
5%
min $10
Foreign transaction fee
3%
Late payment fee
up to
$35
Return payment fee
up to
$35
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