AAdvantage Globe Pricing and Information Table

Citibank's filed agreement for AAdvantage Globe Pricing and Information Table discloses a purchase APR of 19.49%–29.49%, a $350 annual fee and a 29.99% penalty rate. The purchase rate sits at roughly the 70th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

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

The disclosure covers 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.

Where the purchase APR sits

This is a tiered agreement: the filing discloses a purchase APR anywhere from 19.49% to 29.49%, a spread of 10 percentage points. Which end of that band applies is set by the issuer at account opening and the filing does not say how.

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.

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

What the rate means in dollars

The purchase rate turns a $5,000 revolving balance into roughly $1,714 of annual interest.

On a median-priced agreement from this index (21.99%) the same $5,000 would run about $1,229 a year, so this card costs in the region of $485 more annually for the identical balance.

Month to month it reads as about $122.62 per cycle on that balance.

Small balances do not get a proportionally small bill — the agreement imposes a $0.50 minimum interest charge in any month where interest applies.

These figures are arithmetic on the disclosed rate, not a quote: they assume the balance is never reduced, ignore any payments, and take no account of fees charged separately.

Charges beyond interest

The annual fee is $350, charged whether or not the card is used. Against the filings here that disclose a fee, that sits at roughly the 98th percentile.

One way to size that fee: at the card's own purchase rate of 29.49%, $350 is roughly the interest a balance of about $1,187 would generate in a year. The fee is a fixed cost that behaves like perpetual interest on that much debt.

Cash advances carry a cash advance APR of 29.74%. Cash advances also tend to fall outside any grace period, which means interest typically starts on day one rather than at the end of a billing cycle.

Moving a balance onto this card carries an up-front charge of 0.05% of the amount transferred, with the transferred balance priced at 19.49%. Transferring $5,000 would cost roughly $3 at the door.

Default pricing

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.

On the fee side, a late payment can cost up to $41, which is around the 89th percentile here.

Paying in full

The filing gives 23 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest. With a corpus median of 25 days, this window is narrower than the norm.

Where interest applies at all, the filing bills at least $0.50. On a tiny balance that floor can dwarf the rate itself.

What you cannot learn from the filing

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

It is worth being explicit about scope: these filings record terms and pricing. They say nothing about rewards programmes, cardholder benefits, promotional offers or who the issuer will approve, and this review does not speculate about any of it.

How it sits in the issuer's own range

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.

Reading the agreement yourself

The original filing, 2 pages long, is linked on this page and should be read before any figure here is acted on. It is also a snapshot: issuers refile as terms change.

In short

At 29.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers. Note that the $350 annual fee falls due whether the card is used or not.