$1,233 Citi Diamond Preferred, best for 0% balance transfer
saved over the 0% window
We ranked the 5 0% interest cards we’ve confirmed and left out American Express Blue Cash Everyday until we can pin it to one number.
Citi Diamond Preferred avoids the same $1,383 of interest as Wells Fargo Reflect and wins on the transfer fee, $150 against $250.
Ranked by the math
Ranked for someone moving a $5,000 balance at 24%, paid down $250 a month.
Left out until we can pin one number: the American Express Blue Cash Everyday, because Amex's 0% window runs 6 to 18 months.
- Rank 1. $1,233Citi Diamond Preferred21 months at 0%, 3% fee · Typically ~good credit or better (estimate; issuer does not publish a score).
- TiedRank 2, tied. $1,133Wells Fargo Reflect21 months at 0%, 5% fee
- Rank 2, tied. $1,133U.S. Bank Shield Visa21 months at 0%, 5% fee
- Rank 2, tied. $1,133BankAmericard21 months at 0%, 5% fee
- Rank 5. $1,138Citi Simplicity18 months at 0%, 3% fee · leaves $650 when the window ends
Wells Fargo Reflect saves less than Citi Diamond Preferred at every balance from $250 to $20,000 paid down $250 a month; here it is $100 behind.
For each card we add the transfer fee to the balance, then count the months a $250 payment takes to clear it at 0%. Interest avoided is what the current 24% card would charge over those months, on a balance that shrinks as you pay.
Net savings is the interest avoided minus the fee. A card whose window ends before the balance is gone ranks below every card that clears it, whatever its savings, because what is left goes back to a full rate.
Citi Diamond Preferred saves $1,233 here, and its receipt above shows the two lines that make it.
Terms verified on each issuer’s own page: Citi Diamond Preferred on October 2, 2026, Wells Fargo Reflect on October 2, 2026, U.S. Bank Shield Visa on October 2, 2026, BankAmericard on October 2, 2026 and Citi Simplicity on October 2, 2026. Offers change; confirm on the issuer’s site before you apply.
5 hand-confirmed 0% interest cards were ranked. These are the cards we check, not the whole market.
Comparisons with these cards
- Wells Fargo Reflect vs Citi Diamond PreferredCiti Diamond Preferred saves $100 more on a $5,000 balance at 24%, paid down $250 a month.
Other rankings
- Best card for diningFor a family that spends $800 a month on groceries, $500 on dining, $250 on gas, $100 on travel and $600 on everything else, Robinhood Gold Card first, at $760 a year.
- Best card for groceriesFor a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $100 on travel and $600 on everything else, Citi Double Cash first, at $668 in year one.
- Best card for travelFor a family that spends $800 a month on groceries, $200 on dining, $250 on gas, $500 on travel and $600 on everything else, Capital One Venture X first, at $1,319 in year one.
- Best card for building creditCapital One Platinum Secured first, from a $49 deposit.