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Citi

Citi Diamond Preferred Card Review

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Paying down a balance over a long 0% window at a relatively low ongoing APR

Updated for 2026

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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 APR16.49%–27.24% variable
Welcome bonusNone
RewardsNone — this card does not earn rewards
Recommended creditGood 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)

Compare with similar cards

Not sure this is the one? Weigh it against other balance transfer options.

Citi Simplicity Card credit cardCiti Simplicity CardCitiAnnual fee $0View card →Citi Double Cash Card credit cardCiti Double Cash CardCitiAnnual fee $0View card →Wells Fargo Reflect Card credit cardWells Fargo Reflect CardWells FargoAnnual fee $0View card →

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