Citi Diamond Preferred Card
By Alex Compton · Last verified
Citi's flagship balance transfer card: 21 months at 0%.
Welcome Bonus
Under review
Current claim suppressed
Spend Requirement
Under review
Annual Fee
Under review
Last recorded terms remain in the history below
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.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-06 | 0 | No recorded spend | Terms reconfirmedNo welcome offer, 0% intro APR card | Archive record · no attached snapshot |
| 2021-01 | 0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledgerEvent-level primary-source attachments begin with the September 2026 verification system. Older records remain visible but are not retroactively presented as evidenced.
Source checked 2026-06-10 · spot an outdated offer? Report a correction above.
Last Recorded Earning Rates
These terms are historical context and are not presented as current.
Last Recorded Credits
No statement credits, this card wins on earn rates, not coupons.
Last Recorded Benefits
Confirm availability and enrollment requirements with the issuer.
- ✦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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