Citi has a variety of credit cards that match different lifestyles and consumer profiles! Citi Diamond Preferred is a sidekick for those seeking a credit card with 12 months of no interest.
- READ MORE REVIEWS: Credit card with 0 APR? Meet the American Express Cash Magnet!
People facing high-interest account bills can transfer the debits using the Citi Diamond Preferred Credit Card. The 0% intro APR for 21 months on balance transfers can be a lifeline.
Let’s learn more about Citi Diamond Preferred.
Credit card 12 months no interest and more features!
One of the highlights of the Citi Diamond Preferred credit card is the 0% introdutory APR for 12 months on purchases plus 21 months on balance transfers.
After the intro period, the variable APR will be 18.24% – 28.99%, according to your creditworthiness. This is a mate for those who need to pay their debts without getting in trouble with many interests.
Free access to your FICO Score
With this feature, cardholders can monitor their credit ratings on FICO.
Monitoring the FICO score allows consumers to know their creditworthiness. It’s essential to assess what you need to improve in your financial activity to improve your credit quality.
Accessing your FICO Score also helps to detect unauthorized activity on your credit report, such as accounts opened fraudulently in your name. Catching these issues early is crucial for minimizing damage to your credit history.
No annual fee
A $0 annual fee results in significant savings over time, especially for individuals who use the card infrequently or prefer to avoid additional fees.
$0 Liability on Unauthorized Charges
The Citi Diamond Preferred credit card protects against unauthorized charges to your account. It means you will not be responsible for a charge you didn’t authorize, online or otherwise.
Enjoy Citi Entertainment
Citi cardholders have early or preferred access to different entertainment experiences, such as music, sports, arts, and cultural events.
Citi Diamond preferred cons
All credit cards have pros and cons; knowing them is essential to choosing the option that best suits your consumer profile.
One of the biggest cons of the Citi Diamond Preferred Card is that it does not offer rewards or a cash-back program, which most consumers desire. This credit card also doesn’t welcome offers or benefits for travelers.
Furthermore, this credit card has foreign transaction fees and a penalty variable APR of up to 29.99% in cases of late or returned payments.
Credit card 12 months no interest: is it for you?
- READ MORE REVIEWS: Credit card with 0 APR? Meet the American Express Cash Magnet!
Citi Diamond Preferred is a fantastic option for those who want to pay for large purchases without high interest during the first 12 months of opening the account.
This credit card also fits customers who need to pay off high-interest credit card balances, with the 21-month introductory APR period.
If you’re interested in this credit card, remember it has doesn’t reward program. So, if you care about earning rewards, look for another option.
Learn more about how to apply for Citi Diamond Preferred by clicking here.
Disclaimer:
This content is not intended to be financial advice. Please consult a financial professional for guidance on your specific situation.
The rates and terms of the card are subject to change. Please refer to the credit card company’s website for the most up-to-date information.