Citi
Citi Diamond Preferred Card Review
Paying down a balance over a long 0% window at a relatively low ongoing APR
Updated for 2026
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See how to apply →Overview
The Citi Diamond Preferred is a balance-transfer and 0% APR card with one of the longest interest-free windows and a relatively low ongoing APR. It earns no rewards, so it fits people focused on paying down debt rather than earning on spend.
| Annual fee | $0 |
|---|---|
| Regular APR | 16.49%–27.24% variable |
| Welcome bonus | None |
| Rewards | None — this card does not earn rewards |
| Recommended credit | Good to Excellent |
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Pros & cons
Pros
- Long 21-month 0% balance-transfer window plus 12 months 0% on purchases
- Relatively low regular APR floor compared with many rewards cards
- No annual fee
Cons
- Earns no rewards
- Charges late fees and a balance-transfer fee (unlike the Citi Simplicity)
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Advertiser disclosure: this page is supported by advertising and is for information only. Confirm current terms on the issuer's official site before applying.