Take a Break from High Interest: This Top Card Offers 21 Months of 0% Intro APR on Balance Transfers

CREDIT CARDS - 0% APR CREDIT CARDS
Updated July 2, 2024
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Balance transfer cards can help you pay off high-interest debt faster. The FinanceBuzz editors reviewed dozens of cards with 0% intro offers for balance transfers and Citi® Diamond Preferred® Card is our favorite for its extra-long no interest period and no annual fee.

Top Pick
Citi® Diamond Preferred® Card
<span class='whitespace-nowrap'>Citi<sup>®</sup></span> Diamond <span class='whitespace-nowrap'>Preferred<sup>®</sup></span> Card
4.4
on Citi's secure website
More Details +

What you need to know:

  • 0% intro APR on balance transfers for 21 months — Wipe out high interest rates for nearly 2 years!
  • 0% intro APR for 12 months on purchases
  • Choose your payment due date
  • $0 annual fee

The Citi® Diamond Preferred® Card, from our partner Citi, stands out from other cards with its industry-leading 21 months of 0% intro APR for balance transfers. After the intro periods for purchases and balance transfers, the APR is 18.24% - 28.99% (Variable).

What we like about the Citi Diamond Preferred Card

Where this card really shines is its generous 0% introductory APR period for balance transfers for 21 months, then 18.24% - 28.99% (Variable). It’s one of the longest periods of interest-free payoff available. If you don’t have credit card debt but know you have a big upcoming expense, the Citi Diamond Preferred card can also help you save money. That’s because purchases also have a 0% intro APR period for 12 months, then 18.24% - 28.99% (Variable).

More benefits and perks

  • You can choose your payment due date: Nobody likes cash flow problems or making late payments. If you want the flexibility to choose your payment due date, then the Citi Diamond Preferred credit card is a great option. With Diamond Preferred, you can opt for a due date in the beginning, middle, or end of the month. You can also choose to receive automatic account alerts to remind you when a payment is due.
  • Unauthorized charge protection: With Citi Diamond Preferred, you’re protected against unauthorized credit card charges with $0 liability.
  • Entertainment access: Your Citi Diamond Preferred card gives you access to Citi Entertainment. This perk gives you special access to purchase tickets for thousands of events, ticket presales, and exclusive concerts, sporting events, and dining experiences.
  • Identity theft protection: As a cardholder, you get access to Citi Identity Theft Solutions. If you fall victim to identity theft, Citi can help you resolve the issue.
  • No annual fee: Keep even more money in your wallet - with the Citi Diamond Preferred, the annual fee is simply $0.
  • Apply online now

Who is this card best for?

Citi’s Diamond Preferred credit card is great choice for anyone who:

  • Has good credit or better: Citi Diamond Preferred applicants should typically have good to excellent credit for the best chance of approval.
  • Wants to save money on high-interest debt: You can't beat the Diamond Preferred's 0% introductory APR period for balance transfers for 21 months, then 18.24% - 28.99% (Variable) .
  • Needs to pay off a large purchase over time: You can breathe a little easier and give yourself time to pay off your balance before interest kicks in with the Diamond Preferred's 0% intro APR for 12 months on purchases, then 18.24% - 28.99% (Variable).

Is there a better balance transfer card?

The Citi Diamond Preferred is considered one the best balance transfer cards available for good reason. With almost two years of 0% intro APR on balance transfers, new cardholders have a long time to pay down their balances before interest kicks in. You could pay down some sizable debt with such a lengthy balance transfer period. Plus, there's no annual fee to worry about.

Bottom Line

The Citi® Diamond Preferred® Card(Rates and fees) is a great choice for almost everyone. Who doesn't love 21 months with 0% intro APR on a balance transfer — all without an annual fee?

  • Low Intro APR: Enjoy a 0% introductory APR on balance transfers for 21 months and a 0% intro APR on purchases for 12 months. After the intro period, the APR is 18.24% - 28.99% (Variable).
  • Access to FICO score: When you’re trying to pay down debt and build credit, it’s important to know where you stand. The Diamond Preferred card gives cardholders access to their FICO credit score for free online or through the Citi mobile app.
  • Flexible Payment Date: Choose to pay your bill on any available due date in the beginning, middle, or end of the month.
  • Account Protection: Enjoy $0 liability on unauthorized charges and Fraud Early Warning.
» Click here to apply now and pay 0% interest until nearly 2026 on balance transfers

Extended 0% Intro APR for Balance Transfers

Benefits

Card Details

  • 0% intro APR on balance transfers for 21 months, then 18.24% - 28.99% (Variable)) APR
  • Choose your payment due date
  • $0 annual fee
  • Apply Now
  • 0% Intro APR for 21 months on balance transfers from date of first transfer and 0% Intro APR for 12 months on purchases from date of account opening. After that the variable APR will be 18.24% - 28.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • Get free access to your FICO® Score online.
  • With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more.
  • No Annual Fee - our low intro rates and all the benefits don’t come with a yearly charge.
<span class='whitespace-nowrap'>Citi<sup>®</sup></span> Diamond <span class='whitespace-nowrap'>Preferred<sup>®</sup></span> Card
4.4
Apply Now

on Citi’s secure website

Read Card Review

Intro Offer

Long introductory APR period for balance transfers

Annual Fee

$0

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Why we like it