Key takeaways
- The Citi® Diamond Most well-liked® Card comes with an exceptionally lengthy intro APR supply on steadiness transfers, making it probably the greatest steadiness switch playing cards available on the market.
- This card additionally consists of an intro APR supply on purchases, which might be helpful in case you have a big buy developing.
- Different notable card advantages embrace no annual price and entry to Citi Leisure, Citi Simple Offers and Citi Flex Mortgage.
Citi is an promoting companion.
The Citi® Diamond Most well-liked® Card* is a no-annual-fee bank card that features an exceptionally lengthy intro APR supply on steadiness transfers, making it one of many high steadiness switch bank cards available on the market. That stated, the Citi Diamond Most well-liked is a high card for a selected goal, however it isn’t rewards — the cardboard gives no money again or factors.
So, what does that imply in the event you’re contemplating including the Citi Diamond Most well-liked to your pockets? Right here’s all the pieces it is advisable to know in regards to the Citi Diamond Most well-liked’s advantages, together with the right way to maximize them.
Citi Diamond Most well-liked intro APR advantages
Intro APR supply on steadiness transfers
If you wish to do a steadiness switch with Citi, the Citi Diamond Most well-liked goes to be one among your finest choices. The largest advantage of the Citi Diamond Most well-liked is its 0 p.c intro APR on steadiness transfers for 21 months (on transfers accomplished inside 4 months of account opening), adopted by a variable APR between 18.24 p.c to twenty-eight.99 p.c when the intro APR ends. As famous above, this is without doubt one of the longest 0 p.c intro APR gives out there amongst steadiness switch bank cards.
In fact, in the event you fail to switch your steadiness inside the first 4 months, you’ll lose entry to the intro APR supply. Additionally, observe that the cardboard expenses a comparatively excessive steadiness switch price of 5 p.c (or $5, whichever is larger).
Intro APR supply on purchases
The Citi Diamond Most well-liked additionally gives a a lot shorter 12 months of 0 p.c intro APR on new purchases, adopted by the identical 18.24 p.c to twenty-eight.99 p.c variable APR.
When you’re extra targeted on funding a big upcoming buy than transferring a steadiness, know that there are higher 0 p.c intro gives out there.
Extra Citi Diamond Most well-liked advantages
Free FICO Rating entry
Typically, individuals search steadiness switch playing cards to assist deal with their debt and enhance their credit score. With the Diamond Most well-liked, you’ll get pleasure from free entry to your FICO credit score rating. Your rating will refresh every month, serving to you to remain on high of any modifications — an essential follow to enhance your credit score rating.
Citi Leisure
Do you get pleasure from going out to concert events or spending the day at sporting occasions? With Citi Leisure, Citi Diamond Most well-liked cardholders get early or VIP entry to tickets for quite a lot of leisure choices, together with music, sports activities, eating experiences and extra. So in the event you like having early entry to live performance tickets or making reservations for the most well liked new restaurant, take into account Citi Leisure one other key advantage of the Citi Diamond Most well-liked.
Citi My Offers
Citi’s My Offers are reductions you’ll be able to earn on on a regular basis purchases from collaborating retailers and eating places (together with native companies). Enrollment is required, however in the event you spend a specific amount per 12 months, you’ll be able to acquire entry to much more reductions.
Citi Flex Mortgage
The Citi Flex Mortgage program permits you to borrow cash in opposition to your Citi bank card’s credit score line at a hard and fast rate of interest. You’ll be able to pay the mortgage again over a set time frame with no extra charges, functions or credit score inquiries required. Nonetheless, Citi Flex Loans aren’t out there to all Citi cardholders; you’ll be able to verify your account to see in the event you’re eligible.
Bankrate tip: Notice that Citi Flex Mortgage is totally different from a money advance. Money advances include extra charges and excessive rates of interest. If you’re on the lookout for money out of your bank card, the Citi Flex Mortgage alternative is actually a greater possibility.
Identification theft safety provided by way of Mastercard®
Having your id stolen can wreak chaos in your funds and your credit score rating. So it’s possible you’ll discover it helpful to join the free id theft safety that the Citi Diamond Most well-liked card gives by way of Mastercard. The join course of is easy and takes about 5 minutes to create your account and determine which info you wish to get alerts for.
Customized Pay Date
That is presumably essentially the most helpful profit provided by the Diamond Most well-liked card. Selecting your individual due date grants you the flexibleness to shift your fee date to any out there due date inside the month. As a substitute of assembly a predetermined due date that may not work on your pay cycles or finances, select a date that’s extra handy for you.
Maximizing the Citi Diamond Most well-liked Card
To maximise your Citi Diamond Most well-liked’s advantages, be sure you make your steadiness switch inside the first 4 months of card membership. In any other case, you received’t have the ability to reap the benefits of the intro 0 p.c APR supply, the cardboard’s greatest profit. After your switch is full, use our bank card steadiness switch calculator to find out how a lot you’ll have to put aside every month with a purpose to repay your debt earlier than the intro APR interval ends.
Moreover, don’t overlook that the Citi Diamond Most well-liked’s intro APR supply additionally applies to new purchases, although for a shorter time frame. If you wish to use your card to fund a trip, cowl a house enchancment venture or repay an sudden invoice, this card may very well be a superb match — however make certain you will have a plan for paying off your massive buy earlier than the common rate of interest kicks in.
Maintain a watch out for Citi Leisure gives as nicely. You by no means know when your favourite artist or workforce could also be on the town and this system is nice for getting early entry tickets.
The underside line
The Citi Diamond Most well-liked is a strong steadiness switch bank card possibility for individuals who wish to keep away from paying an annual price. You received’t earn any money again or factors, however the card is price it if you should use it to get out of bank card debt, fund a purchase order or construct your credit score rating as you repay your bank card balances. So long as you will have a credit score rating within the good to glorious vary you can qualify for this card and get began paying off debt or financing a purchase order.
