Dillard's MC Addendum 20 0326 vf

The Dillard's MC Addendum 20 0326 vf filing from Citibank sets out a 32.49% purchase APR and no annual fee. That purchase rate ranks near the 77th percentile across this corpus of 4,587 filings.

What the document actually states

What follows is drawn entirely from Citibank's CFPB filing for Dillard's MC Addendum 20 0326 vf. The filing runs one page.

On the record here: a purchase rate, a cash advance rate, a balance transfer rate, an annual fee line and a late payment maximum. A penalty rate and a foreign transaction fee are not stated.

Where the purchase APR sits

At 32.49%, the purchase APR falls at roughly the 77th percentile of the 2,280 filings indexed here, which sits in the more expensive half.

This is disclosed as a variable rate. The number above is a snapshot: it tracks an index, so it changes without the agreement being amended.

Translating the rate into money

At the disclosed purchase APR, $4,000 revolving for a full year costs something like $1,535 in interest.

A card priced at the corpus median of 21.99% would charge roughly $983 on that balance. This one charges about $551 more per year.

Month to month it reads as about $108.21 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.

What the card costs before you borrow

There is no annual fee. That is the common case in this corpus — about 75% of the filings that disclose an annual fee at all disclose it as $0 — so it is a baseline expectation rather than a distinguishing feature.

Taking cash against the card means a cash advance fee of $10 or 5% of the advance, whichever is greater and a cash advance APR of 32.49%. 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 32.49%. Shifting $2,000 across attracts something like $100 in fees on day one.

The downside terms

The maximum late fee is $41 — roughly the 89th percentile of the late fee ceilings disclosed across this index.

Grace period and minimum charge

Purchases carry a 25-day grace period: pay the statement in full inside it and the purchase rate never applies. 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.

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 32.49% sits above 19 of the comparable ones.

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

The limits of this document

This page cannot tell you 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.

The document itself

The original filing, 1 page 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 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. The absence of an annual fee means the rate is the only thing that can make this card expensive.