There are a few big factors to weigh when you’re deciding between balance transfer credit cards. The most important one by far, though: The length of the 0% intro APR offer.

With the Citi® Diamond Preferred® Card, from our partner, you can get one of the longest intro APR offers out there — which is why we named it the Best Balance Transfer Credit Card of 2026.

Here’s what to know about the Citi® Diamond Preferred® Card and whether it’s right for you — plus a couple great alternatives available now.

Pay no interest for nearly two years on balance transfers

With the Citi® Diamond Preferred® Card, you’ll get 0% intro APR for 21 months on Balance Transfers and 12 months on Purchases. After that, a 16.49% – 27.24% (Variable) APR applies.

A 21-month intro offer on balance transfers is one of the longest you’ll find, which means this card is a great option if you’re looking to get rid of existing debt.

Just keep in mind the balance transfer fee: There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).

What does that look like in real dollars? Let’s say you’re carrying a $10,000 balance and making monthly payments of $500. Assuming an interest rate of 20% on your old card and a balance transfer fee of 3% on your new card, you could save $1,966 in interest over 21 months — all for moving your balance to the Citi® Diamond Preferred® Card.

Other considerations with balance transfer cards

As mentioned, the length of your 0% intro APR is the biggest factor when comparing balance transfer cards.

But there are some other considerations, like:

  • Annual fee
  • Balance transfer fee
  • Variable APR
  • Time limit to transfer
  • Payment requirements
  • Additional rewards and perks

The Citi® Diamond Preferred® Card is a great no-frills option with a super long intro APR. If you want to compare alternatives, though, there are some great cards to look at.

Alternatives worth considering

Wells Fargo Reflect® Card: Nearly two years on purchases and balance transfers

With the Wells Fargo Reflect® Card (rates and fees), you’ll get 0% intro APR for 21 months from account opening on purchases and qualifying balance transfers; after that, a 17.49%, 23.99%, or 28.24% Variable APR applies.

That makes the Wells Fargo Reflect® Card a versatile option for saving on balance transfers and purchases. It won our award for Best 0% Intro APR Credit Card for a reason.

The downside: The Wells Fargo Reflect® Card has a higher balance transfer fee of 5%, min: $5. But it also has a $0 annual fee, making it an inexpensive way to save on existing debt and upcoming purchases.

Discover it® Chrome: Earn rewards while you save

The Discover it® Chrome combines a long intro APR with decent earning rates, making it a viable option even after the intro APR ends.

You’ll get:

  • 0% intro APR for 18 months on balance transfers and 6 months on purchases. After that, a 17.49% – 26.49% Variable APR applies
  • 2% cash back at gas stations and restaurants, up to $1,000 in combined purchases each quarter
  • 1% cash back on all other purchases

Most top 0% intro APR cards, including the Citi® Diamond Preferred® Card and the Wells Fargo Reflect® Card, earn no rewards whatsoever. The Discover it® Chrome bucks that trend.

Plus, with Discover’s unique Cashback Match bonus for new cardholders, Discover will match all the cash back you’ve earned at the end of your first year. This bonus has no cap. Earn $200, get another $200 — the sky’s the limit.

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