Citi Diamond Preferred credit card offers generous 0% financing over 18 months for new account holders.
Upgrade your credit card and finances with low monthly payments until 2022. After that enjoy the world-class customer service of Citi and benefits of Mastercard.
INTRODUCTORY 0% APR FOR 18 MONTHS
Looking for a great deal to pay bills over time until the cash arrives next year? Or invest your money to make money now and pay off balances with the profits later on. The 0% gives smart shoppers choices on how to pay for their purchases.
Or else transfer balances from 16% or more APR (Annual Percentage Rate) cards to the Citi Diamond Preferred Card for a modest 3% balance transfer fee and save potentially hundreds of dollars in interest. Remember though not to make ANY purchases on the new card while carrying a balance transfer balance. Read terms and conditions carefully.
BENEFITS AND FEATURES
People chasing cash rewards won’t find any with this card. The rewards come in a different form of top-flight benefits and services. No need to track the ins and outs of mostly a few dollars worth of rewards. The Citi Diamond Preferred credit card keeps life simple with important features such as the following.
No unnecessary annual fee
Contactless pay where available as a quicker way to check out at the register
Automatic bill pay eliminates missed or late payments
Quicklock to freeze and unfreeze card use, so if you’re away for a few days you can keep it locked until you return without worry
Free online banking so you don’t lose important documents and can access them 24/7
Account alerts to remember your purchases and make sure prices and items are right
Digital wallet means no searching for the right card or leaving home without your card
Choose your payment date to one that meets your needs
Free FICO score for unexpected changes or prepare for credit checks
Use the card with confidence wherever you go knowing Mastercard will serve and protect you against misuse of your card by other people. Or you can add authorized users you trust to help them when they need assistance. Here are some of ways Mastercard works its magic.
Accepted where American Express or Visa isn’t
24/7 service locally and throughout the world you need it
Zero fraud liability fights for your rights against scammers and hackers
Identity theft solutions guards you from online predators who want to steal your data
Emergency Cash and Card Replacement
Auto Rental Collision Damage Waiver
Travel and Emergency Assistance Services
Travel Accident Insurance
Lost Luggage Reimbursement
Hotel & Motel Burglary Reimbursement
Lost/Stolen Card Reporting
Cardholder Inquiry Service
CITICARD CUSTOMER SERVICE
For help about features and benefits call Citicard Customer Service at 1-800-950-5114 and someone will be glad to assist you.
Pay no balance transfer fees for 60 days when opening a Union Bank Platinum Visa credit card. Plus pay no interest for 15 months on the amount transferred.
After the promotional period ends, if cardholders haven’t paid off the balance in full, they will be billed interest on remaining amounts at APRs anywhere from 8.49% to 19.99% depending on creditworthiness.
Generally carrying a credit card balance is a terrible long-term practice. However under some circumstances it makes sense, such snaring a great deal at half-price (50% off) and paying the purchase off over time. 50% – 8.49% saves the buyer 31.51% when spread over a year. Just be sure to pay off any balances as soon as possible.
BENEFITS AND FEATURES
Union Bank credit cards have a generous slate of features and benefits to make shopping easy and safe. One of them minimizes “buyer’s remorse.” Credit cards have a try before you buy feature built into the system. Other perks include:
Secure mobile access to account
Swipe smart for enhanced security
Custom account alerts for real-time monitoring
Zero fraud liability for unauthorized charges
Go green digital services so you never lose a bill or important documents
Monthly statements to keep track of expenses
Visa Concierge services such as dining reservations, gift arrangements, etc., although some fees may apply
Emergency card replacement available 24/7/365
Purchase security up to $500 for stolen or damaged items
UNION BANK CARDS WITH REWARDS
For those who expect credit cards to come with rewards, Union Bank has three varieties to suit your needs. The Bank Freely Rewards credit card works best with a flat rate for everyday bills such as utilities, clothes, food, entertainment. The Preferred Rewards credit card has bonus categories for dining, gas, and groceries. The Travel Rewards credit card program favors frequent travelers and people on the move.
20,000 Introductory rewards bonus after $1,500 in purchases within 3 months of opening
3% Rewards on travel ($6,000 max/year and 1% thereafter)
2% Rewards on restaurants ($6,000 max/year and 1% thereafter)
1% Rewards on all other eligible purchases
Introductory 0% APR financing on purchases and balance transfers for first 12 months
Regular APR of 13.99% to 23.99% once promotional period ends
3% Balance transfer fee
$0 Annual fee for first and $49/year after
ABOUT UNION BANK
While little known in the United States, Union Bank is the brand name for MUFG Bank which is the 5th largest bank by assets in the world by one account. As of 12/31/2019 Union Bank handles more financial assets than JP Morgan Chase, Citibank or Bank of America on a global level.
For a limited time only the American Express Blue Cash Everyday Card offers new account holders a generous $200 statement credit after charging $1,000 worth of purchases with the card. This special promotion ends December 10, 2020.
In addition if cardholders decide to carry a balance, they pay no interest for 15 months. However a minimum monthly payment is due each billing cycle.
In addition be rewarded with cash back on purchases and other benefits and features that American Express offers its customers.
3% cash back at U.S. supermarkets ($6,000 maximum per year)
2% cash back at U.S. gas stations on eligible purchases
2% cash back at select U.S. department stores, which includes online purchases
1% cash back on other eligible purchases
Purchases – 0% for 25 days when statement balance is zero
Purchases – 13.99% to 23.99% depending on creditworthiness and prime rate
Cash Advances – 25.24%
Annual Fee: $0.00
Cash advance: 5% ($10 min)
Foreign transaction: 2.7%
Late payments – up to $40
Returned payment – up to $40
Redeem Membership Rewards
Cash back as statement credit ($25 minimum)
Merchandise such as electronics, fashion, home goods
Travel, including airfare, hotels, luggage
Donate to selected charities
Roadside Assistance Hotline
Car rental and damage insurance (excludes liability coverage)
Global Assist Hotline (doesn’t pay for third-party costs)
Simmons Bank Visa Card saves you money on interest with introductory 0% APR and low-interest purchase APR later on.
Enjoy 0% APR on purchases made within 12 months of opening a new account. Get the same 0% APR for balance transfers made within 60 days of account opening. A 3% fee is added to amount transferred
Founded in 1903 in Pine Bluff, Arkansas, Simmons Bank has survived pandemics and world wars to help customers in good times and bad. Simmons was recognized by Forbes as one of World’s Best Banks, “Banks were rated on general satisfaction and key attributes like trust, fees, digital services and financial advice.”
Annual Fee: None
Purchase and balance transfer APR: 8.25%
Balance transfer fee: 3% ($10 minimum)
Cash advance APR: 12.25%
Cash advance fee: 3% ($4 minimum)
Grace period: 25 days
Foreign purchase transaction fee: 2%
Use your card anywhere VISA is accepted for purchases
Get up to $1,000,000 travel accident insurance at no additional cost
Car rental coverage
24/7 customer service representatives on call
$0 fraud liability protection on unauthorized use of card
Text and/or email alerts on credit card activity
The basic Simmons Bank Visa Card is a great choice for users who occasionally decide to carry a monthly balance on their credit card. Put together with an attractive introductory financing offer, the card can smooth out expenses at no or minimal interest expenses. Together with a bank that has a 100-year track record of stability, when reliability matters the Simmons Bank Visa is an excellent choice.