MastercardCiti Diamond Preferred Card
Citi's flagship balance transfer card: 21 months at 0%.
Welcome Bonus
None
No welcome offer, 0% intro APR card
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
670+
(Good)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
Last verified 2026-06-10 · spot an outdated offer? Tell us in the comments.
Earning Rates
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦0% intro APR on balance transfers for 21 months, 3% intro transfer fee in the first 4 months
- ✦0% intro APR on purchases for 12 months
- ✦Access to Citi Entertainment presale tickets
- ✦No annual fee
Why it earns its spot
- +21 months interest free on transferred balances
- +Often carries a slightly lower ongoing APR than Simplicity
Where it costs you
- −Earns zero rewards
- −Late payments are penalized, unlike Simplicity
- −3% foreign transaction fee
The Compound Verdict
Functionally a twin of the Simplicity with the same 21-month transfer window. Pick this one if you trust your autopay, pick Simplicity if you want the late-fee safety net. Either way, close the debt before month 22.
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