Citi Diamond Preferred Review: Pros, Cons, and More

Top perks

0% intro APR for 18 months on balance transfers

One of the longest introductory periods on balance transfers, you’ll get a 0% intro APR on the balance transferred for a full 18 months, which means you’ll have a year and a half to pay off your balance. After that point, any remaining balance will be charged interest.

0% intro APR for 18 months on purchases

You’ll also get a 0% intro APR on new purchases for the first 18 months. This is a helpful perk if you plan on buying anything with the card, although if you’re trying to pay off debt, it’s wise to focus on repayment and not make any new purchases.

No annual fee

The Citi® Diamond Preferred® Card as a $0 annual fee, which is an important feature if your goal is to pay off debt.

Other benefits

  • FICO® Score for free: The Citi® Diamond Preferred® Card provides you with access to your FICO® Score for free, as do many Citi credit cards. If building or rebuilding credit is important to you, this feature is helpful to monitor your progress.
  • Request a credit limit increase in the mobile app: Cardholders can answer a few quick questions in the app to see about potential approval for a higher credit limit.
  • Contactless payment: Cardholders can use this card for contactless payments, and it is also available to use for services like Apple Pay and Google Pay
  • Choose your payment due date: A little flexibility can go a long way when it comes to managing your finances. The card lets you choose from any available payment date, whether it’s in the beginning, middle, or end of the month. That way, you can set up automatic payments that are aligned with your paycheck.
READ:  Bank of America Premium Rewards 2021 Review

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