Best For
Rewards Rate - None
$275 Savings
Estimated savings over 24 months based on a $2,500 transfer at 15% APR.
Includes balance transfer fee and intro APR period. Equal payments assumed.
- Intro offer
- Extended 0% intro APR on balance transfers (offer varies)
- Annual fee
- $0
- Regular APR
- Variable APR after intro period
- Recommended credit
- 660–780 (Fair to Good)
- Travel Perks
- None
Highlights
- Lengthy 0% intro APR on balance transfers and purchases (variable APR thereafter).
- $0 annual fee and $0 liability on unauthorized charges.
- Flexible payment due date to fit your budget.
Who is this card good for?
- Users prioritizing interest savings on transfers or large purchases.
- People who want a no‑annual‑fee tool to manage cash flow.
- Anyone who values quick security features like card lock.
Pointalize Opinion
Pros
- Long 0% intro APR window can save substantial interest.
- $0 annual fee.
- Helpful account‑management features.
Cons
- No rewards program for ongoing spend.
- Balance transfer fee applies; terms can change.
Pointalize Final Thoughts
Diamond Preferred is a pure finance tool—great for interest savings, less so for rewards. Use it to reset balances, then add a rewards card for everyday value.