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Balance Transfer Credit Card - CitiŽ Diamond PreferredŽ Card
The following CitiŽ Diamond PreferredŽ Card, brought to you by CreditCardAssist.com and Citibank, is a balance transfer credit card with no annual fee and a low 0% introductory APR on both purchases and balance transfers for up to 12 months. Search and compare balance transfer credit cards and then apply online for the CitiŽ Diamond PreferredŽ Card today! |
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CitiŽ Diamond PreferredŽ Card |
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- 0% APR* on Balance Transfers and Purchases for Up To 12 Months*
- CitiŽ Identity Theft Solutions*
- $0 Liability on Unauthorized Purchases*
- Secure, Free Online Account Management*
- No Annual Fee*
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Intro APR
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Intro APR Period
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Regular APR
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Annual Fee
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Balance Transfers
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Credit Needed |
0% on Purchases, Balance Transfers*
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Up to 12 Months*
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As low as 8.49%*
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None*
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Yes*
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Good Credit*
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Editor's Review:
If you're looking to complete a balance transfer in order to save some money on finance charges, you should look for a card that'll provide a low APR and preferably an APR of 0% on balance transfers. With the CitiŽ Diamond PreferredŽ Card, that is exactly what you will get.
The CitiŽ Diamond PreferredŽ Card is an excellent choice as a balance transfers credit card because it offers a 0% introductory rate not only on balance transfers but also on purchases made within the first 12 months. There is, however, a fee associated with completing the balance transfer, though the amount will vary depending upon the amount that you're transferring. So it's important to read all of the information about the current offer before completing a transfer so you can be certain the fee is acceptable to you.
Once the introductory period is over, the APR on purchases is a tiered rate that's fixed and is determined by your credit score and debt profile. Balance transfers, on the other hand, have a minimum APR cap of 19.99%. Therefore, no matter how much the Prime Rate falls, you will pay at least 19.99% of finance charges for balance transfers after the introductory period is complete.
There are no rewards with the CitiŽ Diamond PreferredŽ Card, but this card does come with plenty of other benefits. For example, the card takes steps to keep its cardholders protected with price protection, identity theft solutions such as an the option to put a photo on the card, fraud and security protection services, and lost and stolen card reporting.
The CitiŽ Diamond PreferredŽ Card also makes it easy to travel without concern by providing a variety of different travel and emergency assistance services. These include emergency cash replacement, emergency card replacement, auto rental insurance, lost luggage assistance, discounts on auto rentals, and up to $1,000,000 in travel accident insurance. Other benefits include the option to set up automatic bill payments, legal referral services, and medical referral services.
If you are accepted for this card, you can expect to receive a credit limit of at least $500. There are no caps on how high your credit limit can be, though you do need to be careful to keep your spending below your limit once it has been established. If you do spend more than your limit allows, the overlimit fee assessed is $39.
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(Review Date: July 24, 2008)
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