Perfect card for zero interest balance transfers and no annual fee

Not all credit cards are created equal, and the Citi Diamond Preferred Card has some attractive advantages over the competition. To encourage people to switch over their balances from other credit cards, some promotions for this card include a zero-percent APR rate on balance transfers for up to 18 months, as well as low balance transfer fees.

In addition, these cards have no annual fee and no liability on any unauthorized charges. To add another layer of security, Citi provides an identity theft prevention service and can issue a card with your photo on it as a safety measure. The Citi Diamond Preferred Card rewards its customers, and active users accumulate "ThankYou" points which may be used to purchase items at Home Depot, Bed Bath & Beyond, Starbucks and many other businesses.

Citi® Diamond Preferred® Card

Get 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the APR will be 11.99%-21.99% based upon your creditworthiness.* There is a balance transfer fee of either $5 or 3% of the amount of each transfer. Citi® Price Rewind searches for a lower price. Learn how you can get lower price after you purchase an item. Let our 24/7 concierge service help book your hotel rooms, flights and more. Enjoy special access to presale tickets, preferred seating, VIP packages, and unique entertainment experiences through Citi Private Pass® $0 liability on unauthorized purchases and Citi® Identity Theft Solutions No annual fee*

Each dollar spent on the Citi Diamond Preferred Card earns one ThankYou point, although they are no longer promoting the five points being accumulated for each dollar spent at supermarkets, drugstores and gas stations during the first 12 months. New cardholders often receive several thousand ThankYou bonus points after the first purchase, which can be redeemed to purchase gift cards. Although we are not seeing this either. Make sure you check all the terms out to see if you get any bonuses.

Free online banking is another convenient feature, allowing users to check account balances and pay bills online without charge. A good credit rating is usually expected of new applicants for the Citi Diamond Preferred Card. Anyone interested in applying for this card can do so online and get an answer back within a matter of minutes.

If you are looking for a black colored credit card to have that appeal of luxury then this could be a card for that purpose. The new look of the black Citi Diamond Preferred Card has a similar look to the American Express Black Card.