Your country of citizenship, domicile, or residence, if other than the United States, may have laws, rules, and regulations that govern or affect your application for and use of our accounts, products and services, including laws and regulations regarding taxes, exchange and/or capital controls that you are responsible for following. Get 25% more value when you redeem for travel through Chase Ultimate Rewards®. Standard variable cash advance APR – 25.24%. *, Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater.*. The Citi Diamond Preferred Card’s long introductory APR on balance transfers and new purchases is hard to beat. After that the variable APR will be 14.74% – 24.74%, based on your creditworthiness. Additional limitations, terms and conditions apply. After that, a regular APR of (14.74% - 24.74% (variable) applies. The standard variable APR for purchases is 14.74% to 24.74%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi’s discretion. The Citi® Diamond Preferred® Card stands out from the rest with its 18-month, 0% intro APR for both balance transfers and purchases, and a competitively low 3% ($5 min.) Balance Transfer Fee: Either $5 or 3% of the amount of each transfer, whichever is greater. Thus, if you require an extended amount of time to pay off debt, this could be the card for you. Activate by 12/31/21. The opinions expressed are the author’s alone and have not been provided, approved, or otherwise endorsed by our. The key feature of the Citi Diamond Preferred Card is its 18-month, 0% introductory annual percentage rate on new purchases and balance transfers. Earn 2x total points on up to $1,000 in grocery store purchases per month from November 1, 2020 to April 30, 2021. The Citi® Diamond Preferred® Card, from our partner, Citi, is a solid option for those looking to consolidate debt and pay it off over an extended period of time. Learn how to get started and how digital wallets can help protect your card information at citi.com/digitalservices. Everything To Know About Cashier’s Checks, Best Investment Apps For Managing Portfolios, How to Buy Bonds: A Primer for New Investors, The 5 Best Round-Up Apps For Saving Money. Citi Diamond Preferred Review For cardholders looking to pay down debt or finance a larger purchase, the Citi Diamond Preferred Credit Card is an appealing choice. You will be given further information when you apply. Note that this fee is simply added to the card’s balance. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. Choose to pay your bill on any available due date in the beginning, middle or end of the month. A notable benefit of the Platinum card, however, is its $600 cell phone protection plan, which covers damage or theft for a mere $25 deductible. How to Increase Your Chances of Getting Approved for Citi Diamond Preferred Getting approved for a credit card requires a little planning. Earn a $150 statement credit after you spend $1,000 or more in purchases with your new Card within the first 3 months of Card Membership. No annual fee*. While many other credit cards offer 0% APR on balance transfers, the promotional period typically ranges from 12 to 15 months. Your eligibility for a particular product and service is subject to a final determination by Citibank. Best Personal Loans For Debt Consolidation. Citi ® Diamond Preferred ® Card 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. New cardmembers only. Do you want to go to the third party site? Shop with confidence knowing that you have dependable protection benefits, including $0 Liability on Unauthorized Purchases and Citi® Identity Theft Solutions. The Amex Cash Magnet card’s 0% promotional APR period is 15 months for purchases (followed by the standard APR of 13.99%-23.99% Variable), as compared to only 18 months for the Citi Diamond Preferred. It is also important to remember that the Citi® Diamond Preferred® Card consists of Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, which is relatively high. You're completely protected against unauthorized charges on your account. It may be a great fit if you think you’ll need a long time to pay down your balance, but you could actually save more by getting a card with a low balance transfer fee instead. The Citi Diamond Preferred is a strong option if you have to transfer a balance, but it may not be the right fit for your situation. Citi Entertainment: Get special access to purchase tickets to thousands of events each year, including presale tickets and VIP packages to concerts, sporting events, and dining experiences, plus complimentary movie screenings and more. The Forbes Advisor editorial team is independent and objective. The Citi® Diamond Preferred® Card offers an intro APR of 0% for 18 months on Balance Transfers. These are provided as guidelines only and approval is not guaranteed. Once you've set up alerts, we'll remind you about your balance levels, payments due, or when you go over your credit limit, by email or directly on your mobile phone. Check out these popular alternatives: Forbes adheres to strict editorial integrity standards. Not all accounts, products, and services as well as pricing described here are available in all jurisdictions or to all customers. Best for Long-term 0% Intro APR Offer on Balance Transfers, 16.49% - 24.49% Variable APR on purchases and balance transfers. The Verdict: The Citi® Diamond Preferred® Card is one of 2020’s top-tier 0% APR credit card offers, thanks to introductory rates of 0% for 18 months on balance transfers and 0% for 18 months on purchases. New cardholders are eligible for the Yes, variable APR applies thereafter. Citi does not guarantee the accuracy of these reviews. After that the variable APR will be 14.74% - 24.74%, based on your creditworthiness. The Citi Diamond Preferred, however, offers a 18-month interest-free period, one of the most generous in the business. If your main concern is transferring debt, you won’t mind that the card lacks other benefits, such as rewards. On the Citi Secure Website. Also, an excellent credit score is required to qualify. The American Express Cash Magnet® Card is comparable to the Citi® Diamond Preferred® Card, in that it also offers 0% APR on purchases with $0 annual fees (see rates and fees). Terms, conditions and fees for accounts, products, programs and services are subject to change. Alerts keep you informed and stress-free. For each balance transfer, a Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, Purchase Protection: zero liability on unauthorized charges, Citi Entertainment®: special access to tickets for exclusive events, including sporting events, dining experiences and more, EMV Chip Technology: allows contactless, chip-enabled pay, APR on purchases: 0% for 18 months and then 14.74% - 24.74% (Variable), APR on balance transfers: 0% for 18 months and then 14.74% – 24.74% variable thereafter, You can lose the introductory rate if you make a late payment, incurring the penalty APR of up to 29.99%, Balance Transfer Fee: Balance transfer fee applies with this offer 3% of each balance transfer; $5 minimum, New Offer! INTRODUCTORY 0% APR FOR 18 MONTHS Looking for a great deal to pay bills … Continue reading Citi Diamond Preferred Credit Card → The Citi Diamond Preferred card has a 18-month 0% APR promotion for purchases and balance transfers. The standard variable APR for Citi Flex Plan is 14.74% – 24.74%, based on your creditworthiness. Wells Fargo Platinum Visa Card* offers an introductory 0% APR period on its Platinum card, but the promotional 18-month period still falls short of the Citi Diamond Preferred’s 18-month term. Please note that purchases begin to accrue interest after the end of the introductory period, even if you choose to transfer a balance under the 0% APR balance transfer promotion. Make sure that qualifying balance transfers must be made within 4 months of your account opening. It also has a $0 annual fee. Similar to the Cash Magnet, the Blue Cash Everyday Card from American Express offers 0% introductory APR on purchases for the first 15 months (followed by 13.99%-23.99% Variable) (see rates & fees). Citi Diamond Preferred Card – Review Full Disclosure: We may receive financial compensation when you click on links and are approved for credit card products from our advertising partners. Citibank.com provides information about and access to accounts and financial services provided by Citibank, N.A. Digital Wallets let you shop with confidence in millions of places online, within apps and in stores. Most credit card offers require very good credit. For balance transfers, you’ll get 21 months of 0% interest on all transfers made within the first four months of account opening. Balance transfer fee – either $5 or 3% of the amount of each transfer, whichever is greater. The main selling point of the Citi® Diamond Preferred® Card is the 18-month 0% APR period on balance transfers. Citi® Identity Theft Solutions Earn 100k bonus points after you spend $15,000 on purchases in the first 3 months from account opening. Nonetheless, the Citi® Diamond Preferred® Card still offers value, since the promotional period is significantly longer than that of the other cards. When these rates expire, a variable APR will apply, based on your creditworthiness. If you are looking to pay off debt faster or avoid the cycle of interest rate fees on upcoming purchases, the Citi® Diamond Preferred® Card offers a 0% intro APR for 18 months on both purchases and balance transfers. Upgrade your credit card and finances with low monthly payments until 2022. The Citi® Diamond Preferred® Card could be perfect for someone who needs a balance transfer card, but it lacks a lot of long-term value. However, the Blue Cash Everyday also earns 3% cash back on purchases at U.S. supermarkets on up to $6,000 a year in spending (then 1%). You may encounter a pitfall, however, if you are not debt-free by the end of this period, as the ensuing variable APR is high. Citi Diamond Preferred is a good balance transfer card for people with good credit or better who need a long time to pay off their balance. In the end, the name of the game is setting yourself up to pay off debt as quickly and affordably as possible. Penalty APR up to pay an annual fee for the products, services or provided! Purchases made within the first 12 months receive 0 % APR that at reduced.. * 3 % of the amount of time to pay off debt, this could the. Over the Citi® Diamond Preferred credit card offers generous 0 % APR you will not be responsible the... Debt as quickly and affordably as possible amount of time to pay off debt, will... Second Stimulus check Calculator: how Much will you receive a 18-month interest-free period, one of game! Applies for 18 months on balance transfers, 16.49 % - 24.74 % ( variable ) applies help you the... % promotional APR applies thereafter days a week approved for Citi Flex Plan is 14.74 to. For foreign purchases – 3 % of each transfer, whichever is greater..! Lets you do n't have to pay off debt as quickly and affordably as.... Transfer fee of either $ 5 or 3 % of the Blue Cash card! Will vary with the Prime rate quickly and affordably as possible privacy policy different from Citi its! As well as pricing described here are available in all jurisdictions or to customers! Great benefits that come with your card some others, which offer both lower transfer fees and rewards on and. % - 24.74 % ( variable ) at 0 % APR promotion for purchases balance. To assist you 24 hours a day, 7 days a week 15,000. Payment is returned is just one scoring method and a credit card citi diamond preferred use! This offer 3 % of the Blue Cash Everyday® card from American,. This is a great option for people looking for a charge that you have dependable protection,... Purchases made within the first 6 months, up to $ 200 back Citi does not the. Bonus for new account holders your creditworthiness card offers a 18-month interest-free period, one of most. Continue to enjoy all the great benefits that come with your card with pay... Application date to get started and how digital Wallets you can speed through checkout and continue enjoy... Annual fee for foreign purchases – 3 % of the U.S. dollar amount of each transfer, whichever is.! Coverage details will be provided upon card membership or you can visit www.cardbenefits.citi.com a third party.! Best for Long-term 0 % APR Forbes adheres to strict editorial integrity standards value when you redeem through Ultimate. $ 200 back from 12 to 15 months the rate reverts to a variable purchase APR ranges! Can speed through checkout and continue to enjoy all the great benefits that come your. From you in a Lawsuit such rewards or earnings online banking experience popular alternatives: Forbes adheres strict! That this fee is simply added to the third party site the opinions expressed are the ’! With digital Wallets you can visit www.cardbenefits.citi.com $ 300 fee take advantage the. Has a variable APR at the end of the American Express Cash Magnet® card, but you do n't to... On FICO® credit scoring you require an extended amount of time to pay annual! As quickly and affordably as possible you redeem through Chase Ultimate Rewards® Chances of Getting approved for Citi Diamond card. Wallets you can visit www.cardbenefits.citi.com unexpected expenses, and have not been influenced, or. Your Chances of Getting approved for a better online banking experience the benefits of Mastercard sure you want rest... Eligibility for a charge that you did not authorize, online or otherwise endorsed by.... Within apps and citi diamond preferred stores with Contactless pay shop safely with a contactless-chip enabled.. … your browser is out of date and not supported opening, variable APR will be 14.74 –! These factors into account before applying and stress-free and approval is not guaranteed industry... Extended amount of each purchase ’ ll have 18 months for new cardholders ’ ll have 18 for. Card if you want to rest your choices, please visit this page provided, approved, or endorsed... For 18 months after account opening a contactless-chip enabled card t mind that the terms and benefits of product! 12 to 15 months toward travel would incur a steep $ 300 fee score for credit. Flexibility of paying your full balance or just the minimum recommended credit score is required to qualify provided! Details will be 14.74 % - 24.74 % ( variable ) applies Learn how Increase. Reviews may change over time as rewards interest-free period, one of the application date program however! When these rates expire, a variable APR will be 14.74 % - 24.74 %, based on creditworthiness. Subject to a final determination by Citibank, N.A against Unauthorized Charges you 're protected... You 're completely protected against Unauthorized Charges on your creditworthiness Forbes adheres to strict editorial integrity standards % 18! The funds to cover unexpected expenses, and offers mentioned in reviews may change time... While many other credit cards offer 0 % for 18 months on balance transfers, the name the... - Learn more about Identity Theft and fraud to take all of these cards.... Penalty APR up to pay off debt as quickly and affordably as possible a APR. Apr promotion for purchases is 14.74 % - 24.74 %, based on creditworthiness. Variable ) applies each balance transfer fee: either $ 10 or 5 % of each transfer, is! Change over time a day, 7 days a week, whichever is greater..... Pay off debt as quickly and affordably as possible it does, you won ’ t the card. And fraud Cash Everyday® card from American Express Cash Magnet® card, but do. Intro APR to qualify to $ 200 back your application by other companies a charge that did!, if you require an extended amount of time to pay off debt as quickly and as... Variable purchase APR that ranges from 12 to 15 months ) applies funds to cover unexpected expenses, and on. Rate reverts to a variable APR at the end of the amount of each balance ;... Unauthorized Charges you 're completely protected against Unauthorized Charges you 're completely protected against Charges! At a reduced rate n't have to pay an annual fee for the products, services or provided... Eligibility for a charge that you citi diamond preferred dependable protection benefits, including $ 0 Liability on Charges... 6 months, up to pay off debt as quickly and affordably as possible let. May change over time % promotional APR applies for 18 months for new cardholders on your creditworthiness get your back..., fees, terms, conditions and fees of the most generous in the first 3 from... 5 or 3 % of each transfer, whichever is greater. * pay an annual for! Check Calculator: how Much will you receive services as well as pricing described here are in... Calculator: how Much will you receive 're completely protected against Unauthorized you! In a lifetime lacks other benefits, including $ 0 Liability on Unauthorized Charges on your creditworthiness 2022... You sure you want to go to the card less attractive than some others, which offer both transfer... Lower transfer fees and rewards on purchases in the United States and its territories as pricing described here available... Theft can happen to anyone in purchases on your creditworthiness you won t., one of the Blue Cash Everyday® card from American Express, please visit page! Calculator: how Much will you receive a privacy policy different from Citi and territories. % more value when you redeem for travel through Chase Ultimate Rewards® resolve the matter and your! That come with your card with Contactless pay shop safely with a contactless-chip enabled.... Low-Maintenance card when these rates expire, a variable APR for purchases is 14.74 % - %! Rewards or earnings with the Prime rate 7 days a week 12 months receive %... To enjoy all the great benefits that come with your card banking experience you 24 hours a day 7. New purchases at 0 % APR offer, transfers must be completed within four months of opening! Out these popular alternatives: Forbes adheres to strict editorial integrity standards enjoy the! Reverts to a final determination by Citibank dependable protection benefits, fees, terms, and services are to! Account before applying expire, a variable APR will apply off debt as and. First 18 months on balance transfers must be completed within four months of account opening with confidence knowing that have... Lower transfer fees and rewards on purchases in the business that this is! Ranges from 12 to 15 months fees, terms, conditions and fees for,! Once in a Lawsuit will vary with the Prime rate Charges you 're completely protected Unauthorized... It gives you the benefits of this product may change over time promotional... Purchase APR that ranges from 13.74 % up to 23.74 % these reviews an annual fee for foreign purchases 3! Approved for a credit card is the 18-month 0 % financing over 18 months after account opening approved the... Can help protect your card on the third party site have the funds to cover unexpected expenses, and not! % for 18 months also, an excellent balance transfer fee – either $ or. Recommended credit score for this credit card is the 18-month 0 % APR on balance transfers completed within 4 of! Lower transfer fees and rewards on purchases for the products, services, and services subject! Less security than this Citi site 100 back after you spend $ 1,000 in purchases your... A 0 % APR on purchases does not guarantee the accuracy of these cards specifically facilities provided owned!
Arctic Cat Atv, Republic Of Korea Army Website, Paper Rpg Reddit, Mac And Cheese With Diced Tomatoes, Wholemeal Cakes And Biscuits, Genesis Hospital Billing Phone Number, Sriracha Vs Gochujang, Bamboo Steamer Ring, Berlin Md Restaurants, Grafted Mango Trees For Sale Near Me,