Citi is an promoting accomplice.

The Citi® Diamond Most popular® Card options one of many longest introductory APR gives for stability transfers, however is marred by its higher-than-average stability switch price.

New cardholders can have 21 months to pay down a transferred stability at 0% curiosity earlier than the usual APR of 15.99% to 25.99% (variable) applies. And whereas the trade customary is a 3% stability switch price, the Citi Diamond Most popular asks for five% ($5 minimal) of the transferred stability.

Like most stability switch bank cards, there aren’t any rewards to be earned with this card, neither is there a welcome bonus. Regardless of that, there may be an intro 0% APR provide for brand new purchases for 12 months if it’s good to finance a deliberate, giant buy or finance an emergency expense.

On this article

• Introductory APR
• Different perks​
• Comparable playing cards​
• FAQs​
• Our strategy to bank card analysis​

Introductory APR

You’ll be able to reap the benefits of the 21 months of 0% intro APR on transferred balances (after which the 15.99% to 25.99% variable APR), so long as you switch your stability inside 4 months of opening the account. We typically suggest initiating a stability switch at the very least two weeks earlier than the deadline to verify it posts in time. 

You’ll want to make all of the minimal funds on time throughout intro APR interval — however it’s possible you’ll wish to pay greater than that every month to cowl the complete stability earlier than the promotion ends. Remember that you may have that 5% stability switch price tacked onto your stability once you first make the switch, with a $5 minimal price. So, should you switch $2,000 from one other bank card, you may in the end have to repay $2,100. Whereas this price is increased than most, the trade-off is the lengthy stability switch interval. Alternatively, there are playing cards that do not cost a stability switch price with shorter promotional durations.

When you aren’t within the stability switch part, the Citi Diamond Most popular Card additionally gives a 0% introductory APR interval on purchases for the primary 12 months from account opening. After this era, your buy APR will leap as much as a 15.99% to 25.99% variable APR. 

You may wish to keep away from commingling purchases and stability transfers, nonetheless, in order that curiosity does not accrue in your purchases after 12 months whereas the stability switch provide remains to be lively.

Different perks

Whereas the ability with this card largely lies within the introductory APR, there are a number of different novelties. As an example, you possibly can personalize your due date for payments to higher suit your monetary schedule. 

Out of your Citi Diamond Most popular Card account, you might also be capable to generate digital account numbers — or digital bank cards — to be able to store on-line extra securely. This characteristic generates bank card numbers for single use on-line in order that you do not have to disclose your actual bank card info to payees.

Comparable playing cards

Wells Fargo Replicate® Card

The Wells Fargo Replicate Card has the potential to match the Diamond Most popular’s stability switch provide, with a probably inexpensive stability switch price.

You’ll be able to make the most of as much as 21 months of an introductory 0% APR from account opening on purchases and qualifying stability transfers alike — then the APR jumps to 15.99% to 27.99% variable. The bottom provide is 18 months, then you possibly can earn three extra months by making your minimal funds on time throughout the intro interval. The introductory stability switch price is a typical 3% of the transaction, with a $5 minimal, for the primary 120 days from account opening. It turns into as much as 5% with a $5 minimal past that timeframe. 

To learn the way to take pleasure in a full 21-month stability switch introductory provide with this card, try our full evaluation of the Wells Fargo Replicate Card.

Citi® Double Money Card

The Citi Double Money Card has a shorter intro APR interval — and solely focuses on stability transfers — however you possibly can earn money again in your purchases, not like with most stability switch playing cards.

You may get 18 months of a 0% introductory APR on stability transfers, which jumps to 16.24% to 26.24% variable after that. Stability transfers have to be accomplished inside 4 months of account opening. On purchases, you possibly can earn as much as 2% money again. You may earn 1% upfront once you make the acquisition, after which one other 1% once you pay your stability.

For extra particulars, try our full evaluation of the Citi Double Money Card.

FAQs

Our strategy

We evaluation the playing cards which can be within the highest demand and provide one of the best advantages. We scour the positive print so there are not any surprises once you open an account. We discover the important thing elements that make a card stand out and examine them to different prime playing cards. That means, readers can go for a unique card with comparable options if our decide is not proper for them. Our opinions are commonly checked and up to date to include new suggestions, in addition to to replicate modifications in gives and the market. 

The editorial content material on this web page relies solely on goal, impartial assessments by our writers and isn’t influenced by promoting or partnerships. It has not been offered or commissioned by any third occasion. Nevertheless, we might obtain compensation once you click on on hyperlinks to services or products provided by our companions.

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