CEA Addendum 73 0126 vf

Citibank's filed agreement for CEA Addendum 73 0126 vf discloses a 32.49% purchase APR and no annual fee. The purchase rate sits at roughly the 77th percentile of the 4,587 agreements indexed here.

What the agreement puts on the record

CEA Addendum 73 0126 vf is one of the agreements Citibank has on file with the CFPB. The filing runs one page.

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

The purchase APR against the corpus

Measured against every other filing on the site, 32.49% is about the 77th percentile for purchase APR; it comes in above the median.

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 arithmetic of revolving

Carry $1,200 on this card for a year without paying it down and the purchase rate alone generates roughly $460 in interest.

A card priced at the corpus median of 21.99% would charge roughly $295 on that balance. This one charges about $165 more per year.

Small balances do not get a proportionally small bill — the agreement imposes a $2 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.

What a missed payment costs

On the fee side, a late payment can cost up to $40, which is around the 72nd percentile here.

The fee structure

The annual fee is $0. Roughly 75% of filings here that state a fee state zero, so the absence of one is unremarkable in this market.

Paying in full

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.

Inside Citibank's filed lineup

This is one of 82 Citibank agreements collected here. The issuer's own range is 25.99%–34.24%. At 32.49%, this agreement is dearer than 19 of its siblings.

33 of the issuer's other 39 disclosing filings are likewise fee-free.

The limits of this document

This page cannot tell you anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing, because the filing's disclosure table as read does not contain them.

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 — one page. Agreements are amended over time, and the filing reflects the terms as submitted rather than as they stand today.

In short

At 32.49% the purchase rate is close to ordinary for this corpus; nothing in the rate table sets this filing far apart from its peers.