0% balance transfer credit cards are a good choice if you want to pay 0% interest on an existing credit card balance. If you are currently paying interest on your credit card balance, you might want to consider transferring that balance to a 0% introductory offer credit card. By doing so, you get to cut your interest rates to 0% and can get out of debt sooner.

The Citi Diamond Preferred Card, issued by Citibank, is one of the best 0% balance transfer cards in the US, according to DailyMarkets.com’s smart Credit Card Search tool, and is designed for those who plan to take advantage of its 18 months of introductory 0% balance transfers and purchases, and also for those who want to enjoy the Diamond benefits this card has to offer.

Here I’ll do a detailed review of the Citi Diamond Preferred Card, one of the best credit cards for 0% balance transfers in the US, and tell you how we rate this card.

Things We Like About This Card

No annual fee. You will enjoy all the benefits and privileges of being a Citi Diamond cardholder without having to pay any annual fees.

0% introductory APR on balance transfers for 18 months. For the first full 18 months, you will enjoy a 0% introductory APR on all balance transfers. This is a fantastic deal if you plan to take advantage of the 0% intro balance transfers by transferring your balance from another credit card account to this one. After 18 months, your regular variable APR will be either 11.99%, 16.99% or 21.99%, depending on your credit score. Make sure to pay off all your balance during the 18 months so that you won’t incur the higher non-promotional interest rates.

0% introductory APR on all your purchases for 18 months. You will also enjoy the benefit of having a 0% introductory APR on all your purchases for a whole 18 months, after that you will have to pay the regular variable APR, which will be either 11.99%, 16.99% or 21.99% depending on your credit score. Remember that even though you’re in an introductory period and your APR is 0%, you should still make your payments on time to avoid getting into debt.

Low balance transfer fee of 3%. For each balance transfer, you pay just 3% of the amount you transfer, or $5 minimum.

24/7 Diamond Preferred concierge service. If you need someone to help you book flights and hotel rooms or make restaurant reservations or buy concert tickets, just call Concierge and it will be done for you.

Extra Cash from Citi program. Whenever you use your Citi Diamond Preferred Card, you’ll earn Extra Cash based on 10% of the total of your purchases. This Extra Cash isn’t real cash that you can get, instead, it can be used to offset your purchases from the Extra Cash from Citi website. So when you shop for stuff on this online shopping site, you redeem your Extra Cash for discounts on the things you want to buy. There are thousands of travel, entertainment and merchandise selections, so there’s bound to be something you really want.

Free auto rental insurance. You get auto rental insurance, discounts on car rentals, lost luggage assistance, legal referral services, emergency and travel emergency assistance services, medical services and more, which will give you peace of mind when you are traveling.

Have your photo on the front of your Citi card. This card offers excellent added security with a photo of you. If your card is stolen, it would be much more difficult for someone else to use your card in person because of the photo ID.

You will not be responsible for unauthorized purchases. If any unauthorized purchases are made from your card, you will not be held responsible for it and you will have $0 liability.

Diamond perks. You get access to Private Pass, which gives you the opportunity to enjoy a wide variety of exciting events and unique experiences as a Diamond cardholder.

Security services. To make you feel more secure and protected this card also counts with many fraud and security protection services. This also includes emergency card replacement, emergency cash replacement, etc.

Price Protection. If you buy something with your Citi card and then see it advertised in print for less within 60 days, you will receive a refund for the difference up to $250. This ensures you get the best price possible on the things that you buy. In addition to price protection, you also get Retail Purchase Protection and extended warranty.

Our Least Favorite Things About This Card

The Citi Diamond Preferred Card isn’t a rewards or cash back credit card, so you won’t be rewarded on your everyday purchases. The strength of this card lies in its low interest rates and 0% balance transfers for a long duration. If you prefer a cash back credit card, you should consider the Chase Freedom Card – $100 Bonus Cash Back (read our review of Chase Freedom), the top-rated cash back card at DailyMarkets.com.

Our Verdict: 4.6/5 Stars

The Citi Diamond Preferred Card is a very good card for those who want to enjoy its long 0% introductory APR on balance transfers and purchases. I would actually consider it one of the best cards in the US for this since it gives you 18 months of 0% intro APR on balance transfers and 18 months of intro 0% APR on purchases. With this 0% balance transfer card that doesn’t charge any interest during the introductory period, you can consolidate your existing high-interest debt (if you have any), and pay off debts from higher interest cards with this 0% balance transfer card.

This Citi Diamond Preferred Card is one of the best 0% balance transfer cards according to our smart Credit Card Search Wizard. To get an estimate of your balance transfer costs, use our Search Wizard, key in the amount you plan to transfer and the number of years you intend to have this card.

With this Citi card, you can also get discounts when you shop at their shopping site (the Extra Cash from Citi program) by redeeming your Extra Cash. Plus, you get all the exclusive privileges of being a Diamond cardholder – all at no fee at all! So if you plan to take advantage of the 0% intro rate for purchases and balance transfers and the many Diamond perks, you will benefit the most from the Citi Diamond Preferred Card.

Click here to go to Citi’s official website to apply online for Citi Diamond Preferred Card now.

• Credit Card Name
• Reward Type
• Introductory APR
• Typical APR
• Annual Fee

• Citi® Diamond Preferred® Card
• Perks
• 0% Intro APR*
• 11.99% - 21.99%* (Variable)
• $0

• 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the 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*

• Additional Perks: Various Internet account related services. Identity theft solutions. Price protection program. Fraud and security protection services. Automatic bill payments. Year-end financial statement (upon request). Auto rental insurance. Various travel and emergency assistance services. Medical referral services. Legal referral services. Lost luggage assistance. Discounts on auto rentals. See website for additional benefits.

• 0% Intro APR for 18 Months on Balance Transfers* and 18 Months on Purchases*

• APR For Purchases: 11.99% - 21.99%* (Variable)
• APR For Cash Advances: 25.24%

• Annual Fee: $0*
• Cash Advance Fee: 5% of each cash advance; $10 minimum.
• Balance Transfer Fee: 3% of each balance transfer; $5 minimum.
• Late Payment Fee: Up to $35

Read Our Review Of Citi® Diamond Preferred® Card

Would you prefer a cash back card instead? Then apply for the Chase Freedom Card – $100 Bonus Cash Back (read our Chase Freedom review) which gives you $100 cash back after you spend $500 within the first 3 months, and also gives you cash rebates on all your purchases!

Click here to go to Chase’s official website to apply online for Chase Freedom $100 Bonus Cash Back now.