After that, a variable APR of Unfortunately, like most cards in its category, the Platinum card offers no rewards program. Perhaps the best benefit of the Platinum card that the Citi Diamond Preferred lacks is its cell phone protection. An extension of up to 3 months of additional introductory APR will be apply with on-time minimum payments during the introductory and extension periods. Lastly, the Wells Fargo Reflect card has no annual fee.
For example, both cards have similar introductory APR offers. But the Wells Fargo Reflect card has a one up on Citi thanks to the benefits which come with the card. If you value fantastic cell phone insurance, then the choice is an easy one here. This exceeds the industry standard of 12 to 15 months. If you require an extended amount of time to pay off debt, this could be the card for you.
You may encounter a pitfall, however, if you are not debt-free by the end of this period, as the ensuing variable APR is high. This makes the card less attractive than some others, which offer both lower transfer fees and rewards on purchases. Also, a good to excellent credit score is recommended. Be sure to take all of these factors into account before applying.
Toni Perkins-Southam is a points and miles enthusiast who has been leveraging credit card rewards programs to travel around the world, for nearly free, with her husband and their four young children. Together, Toni and her kids have spent the last 4 summers living in Europe, Central and South America and have encountered countless adventures throughout their travels.
Her passion is to inspire other big families by showing and teaching them that traveling with kids is not only logistically possible, but with the right knowledge, financially feasible for even the smallest budgets.
She has visited over 45 countries and lived in Thailand, China, and Ireland where her son was born. Her kids have over 20 stamps in their own passports. Her passion lies in showing families how to travel more while keeping their savings and sanity. Her guidebook, Disney World Hacks, is a bestseller on Amazon.
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The card comes with a lengthy introductory APR offer on both purchases and balance transfers, charges no annual fee and gives cardholders with good to excellent credit a chance at a relatively low ongoing APR, which could make the card worth it for you.
Pros One of the longest 0 percent introductory APR periods on balance transfers available: 21 months balance transfers must be within the first four months No annual fee Potentially low The Citi Diamond Preferred Card is currently offering a 0 percent intro APR on both balance transfers for the first 21 months and purchases for the first 12 months as a cardmember Balance transfers must be completed within four months of account opening.
That gives you more than a year to chip away at transferred debt or cover purchases without paying interest. Though the Citi Diamond Preferred Card has featured an even longer intro APR period in the past for purchases 18 months, most recently , 12 months is still a solid offer.
However, this reduction pigeonholes the Citi Diamond Preferred into a more balance transfer-focused role rather compared to the all-around zero-interest card status it held before. This is a bit disappointing, especially since other prominent balance transfer cards offer matching intro purchase and balance transfer APR periods equivalent to 15 months or more.
In fact, this shake-up may make no annual fee cash back credit cards a more valuable option in the long run for many cardholders.
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