Credit Card Disclosures Pricing Information Table

The Credit Card Disclosures Pricing Information Table filing from Citibank sets out a 33.49% purchase APR and no annual fee. The purchase rate sits at roughly the 79th percentile of the 4,587 agreements indexed here.

On the face of the filing

Citibank filed this agreement for Credit Card Disclosures Pricing Information Table with the Consumer Financial Protection Bureau. The filing runs one page.

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

The purchase APR against the corpus

The purchase APR of 33.49% places this agreement around the 79th percentile of the set — it runs above the midpoint of the corpus.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The cost of carrying a balance

The purchase rate turns a $1,200 revolving balance into roughly $477 of annual interest.

On a median-priced agreement from this index (21.99%) the same $1,200 would run about $295 a year, so this card costs in the region of $182 more annually for the identical 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.

Penalty pricing and late fees

Late payments are capped at $41 under this filing, about the 89th percentile of late fee maximums in the corpus.

What the card costs before you borrow

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 fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 33.49%. Advances under roughly $200 are charged the flat $10; larger ones are charged 5%.

The transfer fee is $10 or 5% of the amount transferred, whichever is greater; transferred balances then run at 33.49%. Shifting $3,000 across attracts something like $150 in fees on day one.

Grace period and minimum charge

Anyone clearing the statement balance inside 25 days pays no purchase interest at all under this filing. That matches the 25-day median across the corpus almost exactly.

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

How it sits in the issuer's own range

This is one of 82 Citibank agreements collected here. The issuer's own range is 25.99%–34.24%. At 33.49%, this agreement is dearer than 35 of its siblings.

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 and penalty pricing, because the filing's disclosure table as read does not contain them.

An agreement filing is not a marketing document. Rewards, perks, welcome offers and eligibility rules are not in it, are not in this dataset, and are therefore not discussed anywhere on this page.

Go to the source

The filed PDF is linked from this page and runs one page. It is the authority for every figure summarised above; where this page and the document disagree, the document is right.

In short

At 33.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.