Cards (MP) If you’re planning to buy a big-ticket item that you don’t want to pay off right away, the Citi® Diamond Preferred® Card gets MoneyPacers top rating. The reason, you get 18 months interest-free on new purchases. After that, this no-fee card charges 11.9 percent to 21.9 percent, depending on credit. The thing is you must have excellent credit to get this credit card.

Citi® Diamond Preferred® Card’s Fees

ANNUAL FEE $0

BALANCE TRANSFER FEE 3% (min $5)

Intro Rate on Purchases
0% for 21 months

Intro Rate on Transfers
0% for 21 months

Regular Rate
11.99% – 21.99% (V)

Citi® Diamond Preferred® Card’s Other Fees

MAX LATE FEE: $35
MAX OVERLIMIT FEE: N/A
MAX PENALTY APR: 29.99% (V)
GRACE PERIOD: 23 days
ONLINE RESPONSE: No
CASH ADVANCE RATE: 25.24% (V)
CASH ADVANCE FEE: 5% (max $10)
FOREIGN TRANSACTION FEE: 3%
BALANCE TRANSFER FEE: $5 or 3%, whichever is greater
SMART CHIP: Yes, chip-and-signature

Citi® Diamond Preferred® Card APR’s

Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.

There is a balance transfer fee of either $5 or 3% of the amount of each transfer.

Citi® Easy Deals℠ Get what you want for less. Earn Citi Easy Deals Points for the purchases you make with your card. Redeem your points for great online deals on name-brand merchandise, gift cards and even local deals.

They have a 24/7 concierge service to you help book hotel rooms, flights and more.

$0 liability on unauthorized purchases and Citi® Identity Theft Solutions.

Penalty APR* 29.99%

Don Briscoe
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Don Briscoe

Finance educator, advisor, and leading voice in the global financial literacy movement.Founder and editor of MoneyPacers.com.He lives and enjoys life with his family in New York.
Don Briscoe
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