Benefits: Take advantage of ultra-long intro APR 0% for 18 months on Balance Transfers. Every penny of your payment will go toward paying your debt for 18 months. If you have a big purchase, event or trip coming up, the Citi® Diamond Preferred® Card comes with an amazing 0% for 18 months on Purchases. Take over a full year to pay down your balance without worrying about interest piling up.

Not only is the regular APR of 14.74% - 24.74% (Variable) highly competitive amongst other offers, but the Citi® Diamond Preferred® Card also offers extra features that are usually only available on premium high-annual fee cards. Get free access to your FICO® score online. With Citi Entertainment®, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. The annual fee is $0.

The Bottom Line: This is a simple, yet very powerful credit card. If you are interested in transferring a balance to a 0% intro APR card, this is our highest rated card for anyone carrying a large balance. The extra interest-free time could allow you to make significantly more headway paying down your balance. With its long-term 0% intro APR you can save hundreds in interest charges.