What I Wish Everyone Knew About Citi Credit Card | citi credit card

Citi Diamond Preferred acclaim card

Whether you're because a antithesis alteration to pay bottomward debt or appetite to advance out payments on a ample acquirement you've been planning to make, the Citi Diamond Preferred agenda is one of the best options on the bazaar for you. By signing up, you'll get a 0% antithesis alteration APR for 21 months (then 13.74% to 23.74% Variable), which is the longest anterior 0% APR aeon currently accessible beyond all agenda brands.

As an added bonus, you'll get admission to Citi Identity Theft Solutions, Citi Private Canyon VIP babysitter services, and biking and emergency assistance, forth with an arrangement of added allowances that accession the bulk of this offer. Best of all, the Citi Diamond Preferred agenda comes with no anniversary fee.

Intro BonusN/A

APR13.99% - 23.99% (Variable)

Recommended Acclaim Excellent, Good

Reward RatesN/A

Annual Fee$0

Intro Acquirement APR0% for 12 months on Purchases

Intro Antithesis Alteration APR0% for 21 months on Antithesis Transfers

Balance Alteration Fee Antithesis alteration fee applies with this action 5% of anniversary antithesis transfer; $5 minimum.

Balance Alteration APR13.99% - 23.99% (Variable)

Late Acquittal Fee Up to $40

Foreign Transaction Fees 3%

Penalty APR Up to 29.99% (Variable)

Highlights:

If you're accustomed high-interest debt, the Citi Diamond Preferred Agenda offers the longest 0% APR anterior action for antithesis transfers in the business. With this card, you'll accept 21 months to pay bottomward your debts from addition agenda at 0% interest. Depending on how abundant you owe -- and what your absorption amount is -- that could advance to hundreds or alike bags of dollars in adored interest.

Let's say you're authoritative the minimum acquittal on $10,000 in acclaim agenda debt at 18% APR -- almost $250 a ages (interest 1% of your balance). If you don't add to your balance, it will still booty you added than bristles years to become debt-free at that rate. And in the meantime, you will pay $15,386 in interest. Ouch!

By appointment that aforementioned antithesis to the Citi Diamond Preferred Card, you'll get an accession APR of 0% for 21 months. You will, however, allegation to pay a 5% antithesis alteration fee to defended the transaction and your new card.

Also: Citi Double Banknote review: Acquire a solid acknowledgment on spending

Still, the Citi Diamond Preferred agenda isn't aloof for antithesis transfers. The agenda offers a 0% accession APR for new purchases for 12 months. If you capital to buy new accessories or furniture, for example, but capital to pay bottomward your purchases over time, this agenda is an accomplished option. Best of all, there are no fees involved.

While this agenda offers a abundant antithesis alteration opportunity, it does allegation a fee for the service. That makes it a hardly beneath adorable action for bodies who are fee-averse and would rather abstain the charge.

Another point of altercation with some is that this agenda doesn't action rewards. If you were acquisitive to use your agenda to acquire cashback, allowance cards, or biking rewards, the Citi Diamond Preferred agenda isn't the way to go.

If you absolutely appetite to become debt-free and plan to use a antithesis alteration to accomplish it happen, the Citi Diamond Preferred agenda can be a admired tool. Simply alteration all of your high-interest balances to your new agenda appropriate away, again actualize a plan of advance to pay it bottomward aural the accustomed time limit.

The best way to do this is to amount out your absolute debt and bisect it by 18 months, again attending for areas in your account to cut so you can allow to accomplish a beyond account payment. If you've been advantageous beneath anniversary ages against your debts until now, acquisition a way to accession your payment. 

If you appetite a 0% accession APR agenda that additionally doles out rewards, you can accede the Citi Double Banknote card. With this card, you'll acquire 2% cashback for every acquirement (1% aback you accomplish the purchase, 1% aback it's paid off).

There's additionally the Chase Freedom Flex. It offers changeless 3% banknote aback categories and 5% banknote aback (up to $1,500 spent, again 1%) categories that circle every three months. It earns 1% banknote aback for aggregate else, and appearance a 0% accession APR for purchases and antithesis transfers, all for no anniversary fee.

[This commodity was aboriginal appear on The Simple Dollar in 2020. It was adapted in March 2022.]

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