Citi · Mastercard
Citi Diamond Preferred
Long 0% balance transfer with a slightly lower ongoing APR than Simplicity
No annual fee
Why people consider it
- No annual fee, and 1x on everything.
Welcome offer
No welcome offer right now.
Recommended credit score: 670+
Advertising disclosure: we may earn a commission if you apply through this link. This does not affect your ranking. Full disclosure
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Is this card worth it?
Ongoing value
$0/year
for the sample household ($4,800/month) · points at typical value
- Full annual fee:
- none
- Major trade-offs:
- No rewards — this card is for borrowing, not earning 3% fee requires transferring within the first 4 months (5% after)
- Against a no-fee alternative:
- This is a no-fee card — nothing to earn back.
Detailed research
Full reward table and category caps
Approval and bonus eligibility caveats
Recommended credit score: 670+ — the issuer decides every application.
Issuer verification source
Rates and fees may vary.See current rates, fees, and terms on Citi's site
Detailed methodology
Net annual value = rewards on a spending profile at typical point value − the full annual fee; credits count only if you tell us you use them; a welcome offer counts once, in year one, only where the profile meets its requirement. Same math as Find a Card. Methodology v2026.09.4.
Editorial review and disclosures
Pros
- + 21 months 0% on balance transfers with a 3% intro fee
- + No annual fee
- + Slightly lower ongoing APR range than most 0% cards
Cons
- - No rewards — this card is for borrowing, not earning
- - 3% fee requires transferring within the first 4 months (5% after)
- - Few extra benefits
Written by Tim · Data verified against issuer terms · Last checked Nov 4, 2026 · Methodology v2026.09.4
Card information is collected independently and has not been reviewed or provided by the card issuer. Terms apply to the offers listed on this page. See our disclosure for details.