AAdvantage Platinum Select World Elite Pricing and Information Table

Citibank's filed agreement for AAdvantage Platinum Select World Elite Pricing and Information Table discloses a purchase APR of 19.49%–29.49%, a $99 annual fee and a 29.99% penalty rate. That purchase rate ranks near the 70th percentile across this corpus of 4,587 filings.

On the face of the filing

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

On the record here: 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 APR against the corpus

Rather than a single purchase rate, the document gives a band — 19.49% at the bottom, 29.49% at the top, 10 points wide. The agreement discloses the range without disclosing how an account is placed within it.

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 agreement labels the purchase rate variable, so the quoted figure reflects the index at the time of filing rather than a locked-in price.

The arithmetic of revolving

The purchase rate turns a $4,000 revolving balance into roughly $1,371 of annual interest.

The median purchase rate across the corpus is 21.99%; the same balance there would cost about $983. The gap — roughly $388 a year on $4,000 — is the price of this particular filing over a typical one.

Per statement cycle that is on the order of $98.10 on $4,000, which is the number that actually shows up on a bill.

Note the $0.50 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

That maths assumes a static balance and nothing else — no payments, no additional purchases, no fees folded in.

Charges beyond interest

Holding the card costs $99 a year before any transaction takes place — about the 93rd percentile among agreements in this index that state a fee.

Expressed in the card's own terms, the $99 fee equals about a year's interest on a $336 balance at the disclosed 29.49% purchase rate.

Taking cash against the card means a cash advance APR of 29.74%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

Balance transfers cost 0.05% of the amount transferred up front and then accrue at 19.49%. Transferring $2,000 would cost roughly $1 at the door.

What a missed payment costs

The agreement discloses penalty pricing of 29.99% — about the 61st percentile of the 794 penalty rates recorded across this index.

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

The no-interest path

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.

A minimum interest charge of $0.50 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

The issuer's other agreements

This is one of 82 Citibank agreements collected here. Across that lineup purchase rates span 25.99% to 34.24%; this filing's 29.49% sits above 11 of the comparable ones.

Among the issuer's other filings that disclose a fee, 36 of 39 come in below this card's $99.

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.

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.

The document itself

Everything here is a reading of the filed agreement, two pages of it, which is linked above and which governs. Terms also change between filings, so the date on the document matters.

In short

29.49% is an unexceptional purchase rate in this collection, and the rest of the terms follow the same pattern. Against that sits the $99 annual fee, which is unavoidable once the account is open.