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Citi® Diamond Preferred® Card

The following Citi® Diamond Preferred® 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 purchases and balance transfers for 18 months.
Citi® Diamond Preferred® Card
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  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 11.99%-21.99% based upon your creditworthiness.*
  • 24/7 access to personalized concierge service providing assistance in booking hotel, flights, concert tickets and much more
  • Special access for Citi cardmembers to purchase presale tickets, preferred seating, VIP packages, and other unforgettable live entertainment experiences through Citi Private Pass®.
  • $0 liability on unauthorized purchases and Citi® Identity Theft Solutions
  • No annual fee*
Intro Rate
Intro Period
Reg. Rate
Annual Fee
Balance
Transfers
Credit Needed
0% on Purchases, Balance Transfers*
18 Months*
11.99 - 21.99% (Variable)*
None*
Yes*
Excellent*

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 Citi® Diamond Preferred® Card, that is exactly what you will get.

The Citi® Diamond Preferred® Card is an excellent choice as a balance transfers credit card because it offers a 0% introductory rate on balance transfers AND purchases for 18 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.

There are no rewards with the Citi® Diamond Preferred® 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 Citi® Diamond Preferred® 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.

(Review Date: February 27, 2012)