American Airlines AAdvantage Mileup Pricing and Information Table

On the record for American Airlines AAdvantage Mileup Pricing and Information Table: a purchase APR of 19.49%–29.49%, no annual fee and a 29.99% penalty rate, filed by Citibank. Against the 4,587 filings on this site, that rate lands around the 70th percentile.

What the document actually states

Citibank filed this agreement for American Airlines AAdvantage Mileup Pricing and Information Table with the Consumer Financial Protection Bureau. The filing runs two pages.

The filing is explicit about a purchase rate, a cash advance rate, a balance transfer rate, a penalty rate and an annual fee line. No figure appears for a foreign transaction fee.

The purchase rate in context

The purchase APR is quoted as a range of 19.49% to 29.49%. That 10-point spread is the whole of what the filing commits to; the method for assigning a rate inside it is not in the document.

Read against the index, the low end ranks around the 59th percentile and the high end around the 70th — the band straddles a wide stretch of the market this corpus describes.

The filing marks this rate as variable, which means it moves with the index the agreement names rather than staying where it is quoted today.

The cost of carrying a balance

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $411 in interest.

Against the corpus median of 21.99%, that is approximately $116 a year of extra interest on the same $1,200.

Month to month it reads as about $29.43 per cycle on that balance.

Treat this as an illustration of what the disclosed rate does, not as a projection of a real account, which would be shaped by payments and by the fees described elsewhere in the filing.

When a payment is late

A penalty APR of 29.99% sits in this filing, applied when the account falls into default as the agreement defines it. Against the 794 filings here that disclose one, that is roughly the 61st percentile.

$41 is the disclosed ceiling on a late payment fee, placing it near the 89th percentile of the set.

Where the fees are

No annual fee appears in the filing, in line with the roughly 75% of disclosing agreements in this index that charge nothing to hold the card.

Cash advances carry a cash advance APR of 29.74%.

The transfer fee is 0.05% of the amount transferred; transferred balances then run at 19.49%. On $7,500 that fee is about $4 before any interest is charged.

Grace period and minimum charge

Anyone clearing the statement balance inside 23 days pays no purchase interest at all under this filing. That is shorter than the 25-day corpus median.

The $0.50 minimum interest charge means the effective cost of carrying a very small balance is far higher than the quoted APR implies.

The issuer's other agreements

This is one of 82 Citibank agreements collected here. Their disclosed purchase rates run from 25.99% to 34.24%, and this one at 29.49% is more expensive than 11 of them.

On fees, 33 of the 39 sibling filings that disclose an annual fee also set it at zero — this one is among them.

What is outside the disclosure

This page cannot tell you a foreign transaction fee, because the filing's disclosure table as read does not contain it.

More broadly, a CFPB agreement filing is a legal and pricing document. It does not describe rewards, benefits, sign-up offers, eligibility or approval criteria, and nothing of that kind has been inferred on this page. Where a card has features of that sort, they live outside this document entirely.

Where the authority sits

This summary stands or falls on the linked PDF — two pages. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

29.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern.