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A credit card that offers an initial 0% equilibrium transfer duration longer than 18 months is a rough diamond. Or, to be accurate, the Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Deal.

This card offers among the longest 0% promotions on the market, however it additionally gives outstanding perks. Take a look at the details below to see why the Nerds think this card is a cut above.

Where the Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Offer radiates

The Nerds don’t understand much about great jewelry, but we can see that the Citi® Ruby Preferred® Card– 21 Month Balance Transfer Offer really captures the light. It beams due to its:

Ultra-long 0% duration on balance transfers. It’s tough to beat the initial 0% bargain offered by the Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Deal. You’ll pay 0% on Purchases for year as well as 0% on Balance Transfers for 21 months, and afterwards the recurring APR of 14.99% – 24.99% Variable APR.

. That’s close to two years interest-free on equilibrium transfers, which is superb if you’re intending to re-finance existing debt. This is among the longest 0% APR promo durations, so if this function is very important to you, the Citi® Ruby Preferred® Card– 21 Month Balance Transfer Offer delivers.

$0 yearly charge. Paying no interest for a restricted time period is one point, but a card’s annual cost impacts its long-lasting affordability. The Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Offer bills an annual cost of $0, so it’s ideal for thrifty folks.

Additional rewards. A card’s key features are just component of the photo when you’re choosing whether to sign on the dotted line. It’s commonly the extras that make a card worth your while (or otherwise), as well as the Citi® Ruby Preferred® Card– 21 Month Balance Transfer Offer uses these in abundance.

You’ll also have the ability to utilize Citi Entertainment to get presale as well as reduced tickets to unique occasions. Benefits like these offer the Citi® Ruby Preferred® Card– 21 Month Balance Transfer Offer a little added luster.

Travel help, right in your budget

Initially glimpse, the Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Deal doesn’t appear like a travel charge card, and also practically it’s not. You will not be acquiring miles, however it uses rewards that regular vacationers will find beneficial. These might consist of:

  • 24/7 attendant solution for scheduling flights, hotels as well as more
  • Trip cancellation defense
  • Worldwide traveling mishap insurance policy
  • Rental cars and truck insurance policy

All in all, those with a case of wanderlust could obtain a great deal of value from the Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Deal. Just be aware that it bills an international transaction cost of 3%, so if you’re intending on swiping overseas, be sure to bring along a card that doesn’t impose this cost.

” MORE: Citi charge card mobile application review

Where the Citi® Diamond Preferred® Card– 21 Month Balance Transfer Deal fails

In spite of its strengths, the Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Deal has some disadvantages you must understand about in the past progressing. For example:

Balance transfer charge.The Citi® Ruby Preferred® Card– 21 Month Balance Transfer Deal charges a balance transfer charge of $5 or 5% (whichever is greater) when you move existing financial debt onto the card. You’ll have to do the mathematics to identify if it’s beneficial to divulge the charge, based upon the quantity of your equilibrium and how long you assume it will take to pay it off. Yet be aware that there are cards around that will enable you to dodge this expenditure– see below for more information.

Benefits program leaves something to be preferred.With the Citi® Ruby Preferred® Card– 21 Month Balance Transfer Deal, you’ll have accessibility to an incentives program called Citi Easy Offers. Every single time you use the card, 10% of the acquisition cost of your item will go into your Citi Easy Deals account in the kind of factors. So, a $100 acquisition would certainly lead to 10 Easy Deals points. These points can be used for discount rates on over 300,000 online bargains, when you shop with the Easy Deals website.

Citi Easy Deals is certainly far better than getting no benefits whatsoever, which is frequently the instance with cards supplying a long 0% APR promo. But it’s additionally not an especially strong incentives program, either. Factors can not be redeemed for money back, and you might not get much use out of the offered bargains.

The Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Offer versus the competition

You have a lot of alternatives these days if you’re trying to find a bank card to fund a big purchase or re-finance financial debt. Below’s how the Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Deal stacks up to a few of our favorites:

The Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Offer vs. the Discover it ® Cash Back

Find out more If a good 0% initial price as well as a solid rewards program is what you want, the Discover it ® Cash Money Back is a card to take into consideration. With it, you’ll gain 5%cash back in rotating quarterly bonus offer classifications, approximately$1,500 invested per quarter(calls for activation). You’ll likewise make 1%cash money back on all other purchases. In terms of passion, you’ll pay 0%APR for 14 months on purchases and equilibrium transfers, and then the continuous APR of 13.49 %-24.49%Variable APR.

If that’s long sufficient for your demands, the included advantage of earning money back may make it much more eye-catching. Also keep in mind that the Discover it ® Cash money Back bills a yearly fee of$ 0 and also no foreign purchase charges, so you will not be spending any kind of additional to score incentives.

The Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Deal vs. the Citi Simplicity® Card – No Late Costs Ever

Find out more The Citi Simpleness ® Card-No LateCosts Ever before is rather comparable to the Citi ® Ruby Preferred ® Card– 21 Month Balance Transfer Deal. With it, you’ll pay 0% on Equilibrium Transfers for 21 months and also 0% on Purchases for 12 months, and afterwards the ongoing APR of 16.24% – 26.24% Variable APR. It also charges a 5% or $5 balance transfer fee (whichever is greater), and also an annual charge of $0.

However the Citi Simplicity® Card – No Late Charges Ever before offers a couple of “extras” that could can be found in handy. It doesn’t charge late charges, or a charge APR. This can be an advantage if you have actually had trouble keeping in mind to pay your credit card expense in a timely manner in the past. Although it doesn’t offer rewards in a conventional feeling, these rewards plus the APR deal on acquisitions will certainly make this card extremely valuable to some.

The option in between the Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Offer as well as the Citi Simpleness® Card – No Late Costs Ever boils down to the differences in APR 0% periods and also a few additionals. If you want traveling advantages, pick the Citi® Ruby Preferred® Card– 21 Month Equilibrium Transfer Deal. If you’re searching for a pass on late charges, opt for the Citi Simplicity® Card – No Late Fees Ever Before.

You can also scroll via the NerdWallet ideal charge card summary to learn more on equilibrium transfer credit cards.

Is the Citi® Diamond Preferred® Card– 21 Month Equilibrium Transfer Deal right for you?

The Citi® Diamond Preferred® Card– 21 Month Balance Transfer Deal glitters if you’re interested in funding an equilibrium transfer at 0% for a long period of time.

Lindsay Konsko is a team author covering bank card and non-mortgage consumer debt for NerdWallet. Follow her on Twitter @lkonskoand on Google+.