Citi^® Diamond Preferred^® Card — Full Review [2024]

Great Card If

• You’re looking to pay down credit card debt with the 0% introductory APR for 21 months on balance transfers.
• You’d like to finance a large purchase with a 0% introductory APR for 12 months on purchases.

Don’t Get If

• You want a card that earns rewards.
• You want a card that offers benefits and protections.

Citi Diamond Preferred Card — Is It Worth It?

The Citi Diamond Preferred card can be a good option for those who currently have credit card debt that they need to pay down or have a large purchase coming up that they’d like to finance by taking advantage of the card’s 0% intro APR offers.

Citi Diamond Preferred Card Top Benefits

• 0% introductory APR for 21 months on balance transfers and 0% introductory APR for 12 months on purchases from date of account opening
• $0 annual fee
• Access to Citi Entertainment

Alternative Cards to the Citi Diamond Preferred Card

Chase Freedom Unlimited^®

For those who want a great 0% introductory APR on both new purchases and balance transfers but still want to earn rewards for their spend, the Freedom Unlimited card is a great option. With it, you earn 5% back on travel purchased through Chase Travel, 3% back on dining and drugstore purchases, and 1.5% back on all other purchases.

Even though the Freedom Unlimited card has a $0 annual fee, it still offers perks like secondary rental car insurance, purchase protection, extended warranty protection, and more.

Blue Cash Everyday^® Card from American Express

Another excellent card with a $0 annual fee and a 0% introductory APR offer is the Amex Blue Cash Everyday card. The card has a 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. After that, 18.24%-29.24% variable APR (rates & fees).

Plus, it helps you earn 3% back at U.S. supermarkets on up to $6,000 per year in purchases (then 1%), 3% back on U.S. online retail purchases on up to $6,000 per year (then 1%), and 3% back at U.S. gas stations on up to $6,000 per year (then 1%).

Not only does it offer great cash-back rates on purchase categories most of us spend a lot on each month, it also offers a $7 monthly credit toward the Disney Bundle (which includes Disney+, Hulu, and ESPN+), along with up to a $15 monthly credit toward a Home Chef meal kit subscription. Keep in mind that enrollment may be required first for you to enjoy these benefits.

See our comparisons of the Citi Diamond Preferred card and these popular cards:

• Citi Diamond Preferred card vs. Citi Strata Premier℠ Card