Citi Diamond Preferred Credit Card Review 2025 | Worth It or Leave It?

Solving the pain of high-interest credit card debt and stressful large purchases, Citi Diamond Preferred steps in with a generous 0% introductory APR for up to 21 months on balance transfers (when made in the first four months) and 12 months on new purchases, giving serious breathing room to pay down balances and regain control without piling on extra costs. With no annual fee, free access to your FICO Score, and reporting to all three major credit bureaus, this card is designed for people looking to chip away at debt and keep track of their credit progress. It’s not about flashy rewards or bonuses, but a straightforward tool for financial relief and smart debt planning. There’s Citi Entertainment access for event lovers, but the main appeal is interest savings. Downsides include a hefty 5% balance transfer fee, a high variable APR after the intro period, no travel perks, and no rewards, making it a poor fit for ongoing spending. Anyone considering this card must have a solid payoff strategy, because leaving a balance after the intro period can be costly. Yet, could there be an overlooked factor that makes—or breaks—its value for you? Stick around until the end to find out. Pros: 0% intro APR for up to 21 months on balance transfers (first four months) 0% intro APR for 12 months on new purchases No annual fee Free FICO Score monitoring Reports to all three major credit bureaus Citi Entertainment event access Cons: 5% balance transfer fee (minimum $5) High variable APR after intro period No rewards, cash back, or signup bonus 3% foreign transaction fee Not ideal for travel or long-term carrying a balance Limited customer service experiences #CitiDiamondPreferred #BalanceTransfer #CreditCardTips #ZeroInterestCard #DebtManagement #CreditCardReview #NoAnnualFee #CreditBuilding #FinanceHacks #SmartSpending ⚠️ The views and opinions expressed on this channel are solely those of the creator and do not reflect the views of any companies or organizations mentioned. All product reviews and tutorials are based on personal experiences and research. Any pricings, percentages, rates, etc. mentioned in any videos are accurate until the time of recording. Please ensure to check the product info for the most updated numbers. While I strive for accuracy and thoroughness, all information provided is for general informational purposes only. Please do your own research before making any purchasing decisions. This channel may include affiliate links, which means I may earn a commission if you make a purchase through those links at no additional cost to you. By watching, you acknowledge that you are solely responsible for any decisions made based on the content provided. For business inquiries, please contact [email protected] Attribution: Stock footage provided by www.freepik.com, www.pexels.com, www.canva.com