Pay No Interest For Nearly 2 Years On Balance Transfers

With 21 full months of 0% interest on balance transfers (16.99% - 27.74% (Variable) after the intro period), it’s easy to see why the Citi® Diamond Preferred® Card from our partner Citi is our top-rated balance transfer card for consumers with good to excellent credit.

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BEST OVERALL
Extremely long intro APR on Balance Transfers Plus Citi Entertainment® Perks
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On Citi®'s secure site
Sample screenshot of Citi® Diamond Preferred® Card , Press to apply in a new tab
4.6
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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This card offers 21-month 0% intro APR on balance transfers — one of the longest available — along with 12 months of no interest on purchases!

Intro APR 0% intro APR for 21 months on Balance Transfers
0% intro APR for 12 months on Purchases
Regular APR 16.99% – 27.74% (Variable)
Annual Fee $0
The Citi® Diamond Preferred® Card (an advertising partner) is tailored to those who are looking to pay down debt. It is a great option if you plan to make some significant purchases and want to avoid interest payments while you work to pay off your balance. It is also a good fit for anyone looking to transfer a balance from another high-APR credit card. New card members will benefit from a 0% intro APR for 12 months on Purchases and 21 months on Balance Transfers then 16.99% – 27.74% (Variable). Balance transfers must be completed within 4 months of your account opening and there is a balance transfer fee of either $5 or 5% of the amount of each transfer (whichever is greater) but that fee is likely significantly less than the interest you are currently paying on another card.
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  • Very long intro APR on balance transfers
  • No annual fee
  • Free FICO® score access
  • Shorter intro APR on purchases
  • Balance transfer fee is higher than other comparable cards
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On Citi®'s secure site
  • 0% Intro APR on balance transfers for 21 months and on purchases for 12 months from date of account opening. After that the variable APR will be 16.99% – 27.74%, based on your creditworthiness. Balance transfers must be completed within 4 months of account opening.
  • There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater
  • 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.
  • No Annual Fee – our low intro rates and all the benefits don’t come with a yearly charge.
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If you’re looking to optimize your credit card interest payments, a balance transfer card is rated based on how much time the card issuer gives you to pay down your existing balance without any interest payments. With 21 full months of 0% interest on balance transfers, it’s easy to see why the Citi® Diamond Preferred® Card is our top-rated balance transfer card.

The Citi® Diamond Preferred® Card is an attractive card for those interested in:

  • Transferring existing balances
  • $0 Annual Fee

If so, the Citi® Diamond Preferred® Card is a great option that offers a 0% intro APR for 21 months on Balance Transfers and 0% intro APR for 12 months on Purchases. After the introductory period, a 16.99% - 27.74% (Variable) will apply. These incredibly generous intro periods make the Citi® Diamond Preferred® Card one of the best available options, especially for balance transfers.


BEST 0% INTRO APR
Incredibly Long 0% Intro APR on Purchases & Qualifying Balance Transfers
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On Wells Fargo's secure site
Sample screenshot of Wells Fargo Reflect® Card , Press to apply in a new tab
4.8
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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This card from Wells Fargo is a standout in both the Low APR and Balance Transfer categories. It offers a very generous intro APR period and you get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.

Intro APR 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers
Regular APR 16.99%, 23.49%, or 28.74% Variable APR
Annual Fee $0
This card from Wells Fargo is a CardCritics™ favorite in both the Low APR and Balance Transfer categories. It offers a 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers, then a 16.99%, 23.49%, or 28.74% Variable APR. Balance transfers made within 120 days qualify for the intro rate and there is a balance transfer fee (5%; min: $5). If you are accruing interest charges each month on another card (or cards) the transfer fee is likely worth the expense especially if you plan to pay the balance off before the 0% intro period is over. You can also get up to $600 protection on your cell phone (subject to $25 deductible) against covered damage or theft when you pay your monthly cellular telephone bill with this card.
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On Wells Fargo's secure site
  • No annual fee
  • Exceptionally long intro APR period
  • Cell phone protection option
  • Some competing cards charge a lower balance transfer fee
  • There is a foreign transaction fee so it’s not the best option for purchases outside of the U.S.
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On Wells Fargo's secure site
  • Apply Now to take advantage of this offer and learn more about product features, terms and conditions.
  • 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers. 16.99%, 23.49%, or 28.74% variable APR thereafter; balance transfers made within 120 days qualify for the intro rate, BT fee of 5%, min: $5.
  • $0 annual fee.
  • Up to $600 of cell phone protection against damage or theft. Subject to a $25 deductible.
  • Through My Wells Fargo Deals, you can get access to personalized deals from a variety of merchants. It’s an easy way to earn cash back as an account credit when you shop, dine, or enjoy an experience simply by using an eligible Wells Fargo credit card.
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On Wells Fargo's secure site
LONG INTRO APR ON BALANCE TRANSFERS
0% Intro APR For 18 Months on Balance Transfers
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On Discover's secure site
Sample screenshot of Discover it® Chrome , Press to apply in a new tab
4.7
CardCritics™ Rating

CardCritics™ uses a 5-star rating system determined by our editorial team. The comparison factors include annual fees, APRs, bonus offers, ongoing rewards, accessibility, redemption options, and more. These factors are then weighted by importance to focus on key features that are most important in each specific category.

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On Discover's secure site
Rates and Fees , Press to open in a new tab

This is a solid choice for anyone in the market for a balance transfer credit card that offers cash back rewards. The dollar-for-dollar match of the cash back you’ve earned your first year is a nice bonus.

Intro APR 0% Intro APR on balance transfers for 18 months
0% Intro APR on purchases for 6 months
Regular APR 17.99% – 26.99% Variable APR
Welcome Bonus Discover will match all the cash back you’ve earned at the end of your first year.
Cash Back 1% – 2% Earn 2% Cash Back At Gas Stations And Restaurants On Up To $1,000 In Combined Purchases Each Quarter.

Earn 1% Unlimited Cash Back On All Other Purchases – Automatically
Annual Fee $0
The Discover it® Chrome card is a well-rounded option as it offers cash back rewards, a generous intro APR period (especially on balance transfers), a unique bonus opportunity and does not charge an annual fee. It offers a 0% Intro APR on purchases for 6 months and 0% Intro APR on balance transfers for 18 months, followed by 17.99% – 26.99% Variable APR. You will also earn 2% back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus you will earn unlimited 1% cash back on all other purchases. The unlimited cash back match bonus is what sets this card apart. All of the cash back you’ve earned in your first year is matched. There are no minimums or hoops to jump through to earn this bonus.
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On Discover's secure site
  • Long introductory APR for balance transfers
  • Unlimited dollar-for-dollar cash back match in the first year
  • Elevated 2% rewards rate for gas stations and restaurants
  • The highest cash-back rate, 2% for gas and restaurants, is limited to $1,000 in combined purchases per quarter.
  • Unimpressive 1% default cash back rate
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On Discover's secure site
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers–only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Get a 0% intro APR for 18 months on balance transfers. Then 17.99% to 26.99% Standard Variable APR applies, based on credit worthiness.
  • Redeem cash back for any amount
  • No annual fee.
  • Terms and conditions apply.
Updated
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On Discover's secure site

As you can see, it is a great time to be in the market for a new credit card. Issuers are really stepping up their game and offering incredible perks to win your business. If you have good to excellent credit in the 670 – 850* range and have not recently applied for a new credit card then you should definitely apply for one of these stand-out options today.


Editorial Note: Any opinions, analyses, reviews or recommendations expressed are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any card issuer.
*CardCritics™ references a FICO® 8 score, which is one of many different types of credit scores. A financial institution may use a different score when evaluating your application.