{"id":91241,"date":"2024-05-29T12:00:29","date_gmt":"2024-05-29T12:00:29","guid":{"rendered":"https:\/\/awardwallet.com\/blog\/?p=91241"},"modified":"2026-04-08T13:57:41","modified_gmt":"2026-04-08T13:57:41","slug":"citi-diamond-preferred","status":"publish","type":"post","link":"https:\/\/awardwallet.com\/credit-cards\/citi-diamond-preferred\/","title":{"rendered":"Citi\u00ae Diamond Preferred\u00ae Card Review: Great for Reducing Credit Card Debt"},"content":{"rendered":"<p>If you're burdened with credit card debt, it's time you checked out the <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/a>. This card's unbeatable introductory APR period for balance transfers helps cardholders avoid other cards' high interest rates. In addition, the card's introductory APR for purchases assists you in financing large expenses without burying yourself in interest-related debt.<\/p>\n<p>This isn't the perfect card. Its introductory APR periods aren't ideal for everyone, and it doesn't earn traditional rewards to redeem for travel. Depending on your circumstances, however, it could be the right card for you. Here's what you need to know about the Citi Diamond card in order to decide.<\/p>\n<p><div class=\"qs-card\" data-id=\"340046\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937009.png\" width=\"150\" alt=\"Citi\u00ae Diamond Preferred\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Special Offer<\/strong> 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Special Offer<\/strong> 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><div class=\"qs-tab-wwl\">The Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card is designed for those seeking a balance transfer option, offering a 0% Intro APR for 21 months on balance transfers (with a transfer fee of 5% or $5, whichever is greater) and a 12-month 0% Intro APR on purchases. Its standout feature is the long intro APR period, making it a strong choice for managing debt or financing large purchases. The card includes free access to your FICO Score and Citi Entertainment<sup>\u00ae<\/sup>, providing special access to events. With no annual fee, it's a practical option for those prioritizing debt management over rewards\u200b.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiDiamondPref\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n<div id=\"toc_container\" class=\"toc_light_blue no_bullets\"><p class=\"toc_title\">Page Contents<\/p><ul class=\"toc_list\"><li><a href=\"#Citi_Diamond_Pros\">Citi Diamond Pros<\/a><\/li><li><a href=\"#Citi_Diamond_Cons\">Citi Diamond Cons<\/a><\/li><li><a href=\"#Citi_Diamond_Welcome_Bonus\">Citi Diamond Welcome Bonus<\/a><\/li><li><a href=\"#Citi_Diamond_Benefits\">Citi Diamond Benefits<\/a><ul><li><a href=\"#0_introductory_APR_on_purchases\">0% introductory APR on purchases<\/a><\/li><li><a href=\"#0_introductory_APR_on_balance_transfers\">0% introductory APR on balance transfers<\/a><\/li><li><a href=\"#0_annual_fee\">$0 annual fee<\/a><\/li><li><a href=\"#Citi_Entertainment\">Citi Entertainment<sup>\u00ae<\/sup><\/a><\/li><li><a href=\"#Free_access_to_your_credit_score\">Free access to your credit score<\/a><\/li><li><a href=\"#0_liability\">$0 liability<\/a><\/li><li><a href=\"#Another_possible_benefit_Product_change_to_another_Citi_card\">Another possible benefit: Product change to another Citi card<\/a><\/li><\/ul><\/li><li><a href=\"#Citi_Diamond_Earning_Rates\">Citi Diamond Earning Rates<\/a><\/li><li><a href=\"#Redeeming_Points_With_the_Citi_Diamond\">Redeeming Points With the Citi Diamond<\/a><\/li><li><a href=\"#Application_Restrictions\">Application Restrictions<\/a><\/li><li><a href=\"#Cards_That_Compete_with_the_Citi_Diamond\">Cards That Compete with the Citi Diamond<\/a><\/li><li><a href=\"#Final_Thoughts\">Final Thoughts<\/a><\/li><\/ul><\/div>\n\n<h2><span id=\"Citi_Diamond_Pros\"><strong>Citi Diamond Pros<\/strong><\/span><\/h2>\n<ul>\n<li>$0 annual fee.<\/li>\n<li>Industry-best introductory APR offer on balance transfers.<\/li>\n<li>Lengthy introductory APR offer on purchases.<\/li>\n<\/ul>\n<h2><span id=\"Citi_Diamond_Cons\"><strong>Citi Diamond Cons<\/strong><\/span><\/h2>\n<ul>\n<li>No rewards to earn or redeem.<\/li>\n<li>3% foreign transaction fee.<\/li>\n<\/ul>\n<figure id=\"attachment_111398\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-111398 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-student-credit-card-featured-300x240.png\" alt=\"a student sits on her bed holding a credit card and looking at a tablet\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-student-credit-card-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-student-credit-card-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-student-credit-card-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/06\/pexels-tima-miroshnichenko-student-credit-card-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Tima Miroshnichenko\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Diamond_Welcome_Bonus\">Citi Diamond Welcome Bonus<\/span><\/h2>\n<p>Unfortunately, you won't earn a traditional sign-up bonus with the <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a>. This card serves a different purpose than some other credit cards with big welcome bonuses. Its goal is to help you save money on debt.<\/p>\n<p>New applicants can receive a 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/p>\n<p>Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum.. Additionally, after the introductory period ends, the new APR will be 17.24% - 27.99% (Variable).<\/p>\n<p>While this welcome bonus won't help you get free hotel nights or free flights, it can provide big savings. How much you save depends on your current interest rates on your other credit cards and the balance you transfer to the Citi Diamond to utilize its 0% introductory APR.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/0-apr-credit-cards-with-no-annual-fee\/\" rel=\"noopener\">The Best Credit Cards With No Annual Fee and 0% Introductory APR<\/a><\/strong><\/p>\n<h2><span id=\"Citi_Diamond_Benefits\">Citi Diamond Benefits<\/span><\/h2>\n<p>In short, the <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a> serves two main purposes: avoiding interest charges on existing credit card debt and financing large purchases. The benefits outside of those factors are slim.<\/p>\n<h3><span id=\"0_introductory_APR_on_purchases\">0% introductory APR on purchases<\/span><\/h3>\n<p>The Citi Diamond comes with the 0% introductory APR offer detailed above. This is a great way to avoid interest charges on upcoming expenses.<\/p>\n<p>One way this card could come in handy is for expensive home renovations. Let's say you've scheduled a $4,000 home renovation but don't have all the cash up front. With this card, you could space out monthly payments over the duration of the introductory offer. As long as you make your monthly payment on time and pay off the balance before the introductory APR period ends, you won't accrue any interest.<\/p>\n<p>Also, some car dealerships will allow you to put a few thousand dollars on a credit card when you lease or purchase a new car. If you need a car and don't have all the money for the downpayment up front, you could charge part of it on this card and have time to pay the charge off interest-free.<\/p>\n<p>Don't forget: If you have a balance remaining after the initial APR (annual percentage rate) period, you will pay interest.<\/p>\n<figure id=\"attachment_164024\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/360\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\"wp-image-164024 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-300x180.jpg\" alt=\"modern kitchen showing white cabinets an island fruit pots and pans and a microwave\" width=\"600\" height=\"360\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-300x180.jpg 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-1024x614.jpg 1024w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-768x460.jpg 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-1536x921.jpg 1536w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2024\/04\/kitchen-jason-briscoe-unsplash-2048x1227.jpg 2048w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Jason Briscoe\/Unsplash<\/em><\/enter><\/figure>\n<h3><span id=\"0_introductory_APR_on_balance_transfers\">0% introductory APR on balance transfers<\/span><\/h3>\n<p>If you have revolving credit card debt, you're probably paying significant monthly interest. Transferring that debt to the Citi Diamond could help you avoid interest for 21 months on Balance Transfers. This feature comes at a cost. To determine if it's right for you, always factor in the balance transfer fee. You'll pay Balance transfer fee applies with this offer; 5% of each balance transfer; $5 minimum..<\/p>\n<p>By comparison, 21 months on Balance Transfers is an industry-leading balance transfer period. After it ends, however, you'll begin paying interest on any remaining account balances. Based on creditworthiness, you'll pay 17.24% - 27.99% (Variable) APR. To take advantage of the offer, cardholders must submit balance transfers within four months of account opening.<\/p>\n<h3><span id=\"0_annual_fee\">$0 annual fee<\/span><\/h3>\n<p>You won't pay an annual fee to keep the Citi Diamond every year.<\/p>\n<h3><span id=\"Citi_Entertainment\">Citi Entertainment<sup>\u00ae<\/sup><\/span><\/h3>\n<p>When you're a Citi cardholder, you'll have access to Citi Entertainment<sup>\u00ae<\/sup> \u2014 a comprehensive platform where you can purchase tickets to events such as concerts or sporting events. You will also get presale access to specific events and experiences. Recent Citi presale benefits included Beyonc\u00e9 and Taylor Swift tours, and the platform also sells tickets to Cirque Du Soleil and special holiday events.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-benefits-no-annual-fee-cards\/\" rel=\"noopener\">Our Favorite Benefits on No Annual Fee Credit Cards<\/a><\/strong><\/p>\n<h3><span id=\"Free_access_to_your_credit_score\">Free access to your credit score<\/span><\/h3>\n<p><a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a> cardholders can check their FICO<sup>\u00ae<\/sup> score for free without affecting their credit. Not only that, you can learn more about what factors go into determining your credit score. Scores are updated monthly on the Citi mobile app and website.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/free-credit-score-check\/\" rel=\"noopener\">How To Check Your Credit Score for Free<\/a><\/strong><\/p>\n<h3><span id=\"0_liability\">$0 liability<\/span><\/h3>\n<p>Citi fully protects this card against unauthorized charges. Rest easy knowing you'll never be held responsible for charges you didn't authorize.<\/p>\n<h3><span id=\"Another_possible_benefit_Product_change_to_another_Citi_card\">Another possible benefit: Product change to another Citi card<\/span><\/h3>\n<p>One other benefit you may gain by holding this card is the ability to <a target=\"_blank\" href=\"\/credit-cards\/citi-product-change-rules\/\" rel=\"noopener\">product change to another Citi credit card<\/a> later on. After opening the <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a>, transfer your debt, and pay it off interest-free. After you've had the card for 12 months (or whenever you've paid off the balance), call Citi to see if you can convert your card to one that earns rewards.<\/p>\n<figure id=\"attachment_137110\" class=\"wp-caption aligncenter\"><img data-aspectratio=\"600\/480\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" class=\" wp-image-137110 lazyload\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Pexels-Kindel-Media-online-shopping-with-computer-featured-300x240.png\" alt=\"a woman shops online using her laptop\" width=\"600\" height=\"480\" data-srcset=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Pexels-Kindel-Media-online-shopping-with-computer-featured-300x240.png 300w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Pexels-Kindel-Media-online-shopping-with-computer-featured-768x614.png 768w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Pexels-Kindel-Media-online-shopping-with-computer-featured-325x260.png 325w, https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2023\/11\/Pexels-Kindel-Media-online-shopping-with-computer-featured.png 1000w\" sizes=\"(max-width: 600px) 100vw, 600px\" \/><center><em>Credit: Kindel Media\/Pexels<\/em><\/enter><\/figure>\n<h2><span id=\"Citi_Diamond_Earning_Rates\"><strong>Citi Diamond Earning Rates<\/strong><\/span><\/h2>\n<p>As we've discussed already, the <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a> cardholders don't earn rewards on purchases. You won't earn cash back or <a target=\"_blank\" href=\"\/credit-cards\/citi-thankyou-rewards\/\" rel=\"noopener\">Citi ThankYou<sup>\u00ae<\/sup> Points<\/a>, but there's a time and a place for transferring to or spending on cards with introductory APR offers. The value of this card comes from the money you save through the introductory APR period.<\/p>\n<h2><span id=\"Redeeming_Points_With_the_Citi_Diamond\"><strong>Redeeming Points With the Citi Diamond<\/strong><\/span><\/h2>\n<p>As there are no earnings, there's nothing to redeem with the Citi Diamond.<\/p>\n<p>If you think there's no value in a card that doesn't earn points you can redeem, think again. Like any card, you're the only one who can determine if it's a good option for you. Will you get more value in the long run by earning rewards (but perhaps paying interest) on another card or by avoiding interest with the Citi Diamond&#8216;s introductory offer? Only you can decide, but this is a common consideration when financing a large purchase.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/features\/awardwallet-mile-valuations\/#How_to_Calculate_Point_Values\" rel=\"noopener\">How To Calculate Point Values<\/a><\/strong><\/p>\n<h2><span id=\"Application_Restrictions\">Application Restrictions<\/span><\/h2>\n<p>Citi restricts how often it approves individuals for a new credit card, sometimes referred to as an 8\/65 rule:<\/p>\n<ul>\n<li>One personal credit card in an eight-day period.<\/li>\n<li>Two\u00a0personal credit cards in a 65-day period.<\/li>\n<li>One small business credit card in a 90\u201395-day period.<\/li>\n<\/ul>\n<p>The bonus restrictions on other Citi cards don't apply to the Citi Diamond, however, since there's no welcome bonus of points or cash back.<\/p>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/rewards-card-application-rules\/\" rel=\"noopener\">Understanding Rewards Credit Card Application Rules and Restrictions<\/a><\/strong><\/p>\n<h2><span id=\"Cards_That_Compete_with_the_Citi_Diamond\"><strong>Cards That Compete with the Citi Diamond<\/strong><\/span><\/h2>\n<p>The Citi Diamond is a great choice if you're looking to take a break from interest while paying off credit card debt. But is it the best option when compared to other cards with a 0% introductory APR?<\/p>\n<ul>\n<li><strong>If you want a longer 0% APR on purchases<\/strong>, consider the <a data-ccid=\"4048257\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-slate-edge\/\">Chase Slate<sup>\u00ae<\/sup> Credit Card<\/a>. You'll get a 0% introductory APR rate for 21 months on balance transfers and 21 months on purchases. After the introductory period, a variable APR of 18.24%\u201328.24% applies. There's a transfer fee of $5 or 5% of the amount of each transfer, whichever is greater. Learn more in our <a target=\"_blank\" href=\"\/credit-cards\/chase-slate-edge\/\" rel=\"noopener\">Chase Slate review<\/a>.<\/li>\n<li><strong>If you want a 0% APR period plus rewards<\/strong>, look at the <a data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\">Chase Freedom Flex\u2120<\/a>. You'll enjoy a 0% introductory APR on purchases for 15 months and a 0% introductory APR on balance transfers for 15 months, then a Variable APR of 19.24% - 27.99%. You'll also earn 1%, 3%, or 5% cash back in different bonus categories on purchases \u2014 all without paying an annual fee. There's a balance transfer fee of $5 or 5% of the amount of each transfer, whichever is greater. Our <a target=\"_blank\" href=\"\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" rel=\"noopener\">Chase Freedom Flex review<\/a> has further details.<\/li>\n<li><strong>If you want a lower balance transfer fee<\/strong>, opt for the <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/a>. You'll enjoy a 0% Intro APR for 15 billing cycles for purchases and 0% Intro APR for 15 billing cycles for any balance transfers made in the first 60 days. Afterward, you'll pay a variable APR of 18.24% - 28.24%. The balance transfer fee is 3% for 60 days from account opening, then 4% with no minimum. You'll also earn 6% cash back for the first year in the category of your choice (then 3%), automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category\/grocery store\/wholesale club quarterly purchases), and unlimited 1% on all other purchases. If you're a <a data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/bank-of-america\/preferred-rewards-guide\/\">Bank of America Preferred Rewards<\/a>\r\n member, you can earn 25%\u201375% more cash back on every purchase. Find out more in our <a target=\"_blank\" href=\"\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\" rel=\"noopener\">Bank of America Customized Cash Card review<\/a>.<\/li>\n<\/ul>\n<div class=\"compare-cards-wrap compare-count-cards-3 compare-p-bank-of-america\"><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/100\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2026\/02\/CardArt-ChaseSlate.png\" width=\"150\" alt=\"Chase Slate\u00ae Credit Card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Slate<sup>\u00ae<\/sup> Credit Card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong>\r\nN\/A <\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048257\" href=\"\/blog\/cards\/SlateEdge\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img data-aspectratio=\"150\/94\" src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/awardwallet.com\/blog\/wp-content\/uploads\/2021\/01\/CardArt-ChaseFreedomFlexCard.png\" width=\"150\" alt=\"Chase Freedom Flex\u2120\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Chase Freedom Flex\u2120<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> Earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"4048224\" href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/freedom-flex\/\" target=_blank>Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent, Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>Earn 5% on up to $1,500 on combined purchases in <a href=\"https:\/\/awardwallet.com\/credit-cards\/chase-ultimate-rewards\/chase-freedom-categories\/\" target=_blank>bonus categories<\/a> each quarter you activate<\/li>\r\n<li>Earn 5% on travel purchased through Chase Ultimate Rewards<\/li>\r\n<li>Earn 3% on dining at restaurants, including takeout and eligible delivery services<\/li>\r\n<li>Earn 3% on drugstore purchases<\/li>\r\n<li>Earn 1% on all other purchases<\/li>\r\n<\/ul><\/div><\/div><div class=\"compare-card\"><div class=\"compare-pre\"><div class=\"compare-image\"><div><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937160.png\" width=\"150\" alt=\"Bank of America\u00ae Customized Cash Rewards credit card\" \/ class=\"lazyload\"><\/div><\/div><div class=\"compare-name\">Bank of America<sup>\u00ae<\/sup> Customized Cash Rewards credit card<\/div><div class=\"compare-offer\"><strong>Welcome Bonus<\/strong> $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening.<\/div><\/div><div class=\"compare-apply\"><a class=\"qs-learn-more\" data-ccid=\"3002004\" href=\"https:\/\/awardwallet.com\/credit-cards\/cash-back\/bank-of-america-customized-cash-rewards\/\">Learn More<\/a><\/div><div class=\"compare-fee-score\"><div class=\"compare-fee\"><strong>Annual Fee<\/strong><p>$0<\/p><\/div><div class=\"compare-rating compare-rating--5\"><strong>Credit Score<\/strong><p>Excellent\/Good<\/p><\/div><\/div><div class=\"compare-earning\"><ul>\r\n<li>6% cash back for the first year in the category of your choice: gas and EV charging stations, online shopping\/cable\/internet\/phone plan\/streaming, dining, travel, drug store\/pharmacy purchase, or home improvement\/furnishing purchases, then 3% after the first year of card membership*<\/li>\r\n<li>2% cash back at grocery stores and wholesale clubs*<\/li>\r\n<li>1% cash back on all other purchases<\/li>\r\n<li>* You'll earn 6% and 2% cash back on the first $2,500 in combined choice category\/grocery store\/wholesale club purchases each quarter, then earn 1%. After the 3% first-year bonus offer ends, you will earn 3% and 2% cash back on these purchases up to the quarterly maximum.<\/li>\r\n<\/ul><\/div><\/div><\/div>\n<p><strong>Related: <a target=\"_blank\" href=\"\/credit-cards\/best-0-apr-credit-cards\/\" rel=\"noopener\">The Best Rewards Credit Cards Featuring 0% APR on Purchases<\/a><\/strong><\/p>\n<h2><span id=\"Final_Thoughts\">Final Thoughts<\/span><\/h2>\n<p>The <a data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">Citi Diamond<\/a> is a great choice if you're looking to get ahead on your finances or want flexibility in paying off purchases without the worry of mounting interest charges. However, a card like this should be used diligently, as interest-free spending shouldn't be an excuse to spend beyond your means.<\/p>\n<p>This card isn't for everyone. It doesn't earn rewards or offer a traditional welcome bonus. However, if you're struggling with credit card debt, take a break from interest and use this to catch up on payments and eventually live debt-free.<\/p>\n<p><div class=\"qs-card\" data-id=\"340046\">\n            <div class=\"qs-data\">\n                <div class=\"qs-view\">\n                    <div class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/div>\n                    <div class=\"qs-image\"><img src=\"data:image\/gif;base64,R0lGODlhAQABAIAAAAAAAP\/\/\/yH5BAEAAAAALAAAAAABAAEAAAIBRAA7\" decoding=\"async\" data-src=\"https:\/\/cdn.nextinsure.com\/imaging\/opt\/11937009.png\" width=\"150\" alt=\"Citi\u00ae Diamond Preferred\u00ae Card\" \/ class=\"lazyload\"><\/div>\n                    <div class=\"qs-apply\"><a class=\"qs-how-apply\" data-ccid=\"340046\" href=\"\/blog\/link\/CR-CitiDiamondPreferredCard\" rel=\"noopener nofollow sponsored\">How to Apply<\/a><\/div>\n                    <div class=\"qs-rates\"><\/div>\n                    <div class=\"qs-offer\"><strong>Special Offer<\/strong> 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/div>\n                <\/div>\n                <div class=\"qs-info\">\n                    <strong class=\"qs-cardname\">Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card<\/strong>\n                    <div class=\"qs-offer\"><strong>Special Offer<\/strong> 0% Intro APR for 21 months on balance transfers and for 12 months on purchases; after that, the variable APR will be 17.24% - 27.99%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.<\/div>\n                    <div class=\"qs-fee\"><strong>Annual Fee:<\/strong><b>$0<\/b><\/div>\n                    <div class=\"qs-tabs\"><a class=\"qs-more\" href=\"#more\">Show more<\/a><a href=\"\" data-tab=\"wwl\">Why We Like It<\/a><div class=\"qs-tab-wwl\">The Citi<sup>\u00ae<\/sup> Diamond Preferred<sup>\u00ae<\/sup> Card is designed for those seeking a balance transfer option, offering a 0% Intro APR for 21 months on balance transfers (with a transfer fee of 5% or $5, whichever is greater) and a 12-month 0% Intro APR on purchases. Its standout feature is the long intro APR period, making it a strong choice for managing debt or financing large purchases. The card includes free access to your FICO Score and Citi Entertainment<sup>\u00ae<\/sup>, providing special access to events. With no annual fee, it's a practical option for those prioritizing debt management over rewards\u200b.<\/div><\/div>\n                <\/div>\n            <\/div>\n            <a class=\"qs-share\" href=\"\/find-a-card\/CitiDiamondPref\/\" title=\"copy\"><svg width=\"12\" height=\"16\" viewBox=\"0 0 12 16\" fill=\"none\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><use href=\"https:\/\/awardwallet.com\/blog\/wp-content\/themes\/awardwallet\/public\/builds\/icon\/icon-sprite.svg?v2026-4-17fe2c9156#share-square\" fill=\"currentColor\"><\/use><\/svg><\/a>\n        <\/div><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Citi\u00ae Diamond Preferred\u00ae Card is a 0% introductory APR credit card that gives cardholders payment flexibility on purchases and balance transfers. The card is a great option for consumers wanting to avoid interest charges, but it isn&#8217;t the best for those looking for credit card rewards. Is the tradeoff worthwhile? Let&#8217;s take a closer look.<\/p>\n","protected":false},"author":85,"featured_media":148987,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":"","_wpscppro_dont_share_socialmedia":null,"_wpscppro_custom_social_share_image":0,"_facebook_share_type":"default","_twitter_share_type":"default","_linkedin_share_type":"default","_pinterest_share_type":"default","_linkedin_share_type_page":"","_instagram_share_type":"default","_medium_share_type":"default","_threads_share_type":"","_google_business_share_type":"","_selected_social_profile":[],"_wpsp_enable_custom_social_template":false,"_wpsp_social_scheduling":{"enabled":false,"datetime":null,"platforms":[],"status":"template_only","dateOption":"today","timeOption":"now","customDays":"","customHours":"","customDate":"","customTime":"","schedulingType":"absolute"},"_wpsp_active_default_template":true},"categories":[12055],"tags":[12620,12785],"coauthors":[36458,36393],"class_list":["post-91241","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-cards","tag-card-reviews","tag-citibank"],"acf":[],"_links":{"self":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91241","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/users\/85"}],"replies":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/comments?post=91241"}],"version-history":[{"count":34,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91241\/revisions"}],"predecessor-version":[{"id":256363,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/posts\/91241\/revisions\/256363"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media\/148987"}],"wp:attachment":[{"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/media?parent=91241"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/categories?post=91241"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/tags?post=91241"},{"taxonomy":"author","embeddable":true,"href":"https:\/\/awardwallet.com\/blog\/wp-json\/wp\/v2\/coauthors?post=91241"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}