Credit Card Disclosures Pricing Information Table

On the record for Credit Card Disclosures Pricing Information Table: a 34.24% purchase APR and no annual fee, filed by Citibank. That purchase rate ranks near the 80th percentile across this corpus of 4,587 filings.

The disclosed terms

This page covers the agreement Citibank filed for Credit Card Disclosures Pricing Information Table. The filing runs one page.

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

The purchase APR against the corpus

Ranked against the corpus, this purchase APR — 34.24% — sits at approximately the 80th percentile and runs above the midpoint of the corpus.

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 cost of carrying a balance

Carry $2,000 on this card for a year without paying it down and the purchase rate alone generates roughly $816 in interest.

A card priced at the corpus median of 21.99% would charge roughly $492 on that balance. This one charges about $324 more per year.

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.

The fee structure

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 34.24%. The grace period described below generally does not extend to cash advances, so interest on them usually begins immediately.

What a missed payment costs

Late payments are capped at $40 under this filing, about the 72nd percentile of late fee maximums in the corpus.

The grace period

The filing gives 25 days' grace on purchases, meaning a statement balance paid in full within that window attracts no interest.

Where interest applies at all, the filing bills at least $2. On a tiny balance that floor can dwarf the rate itself.

Against the rest of Citibank's filings

There are 82 filings from Citibank in this index. Across that lineup purchase rates span 25.99% to 34.24%; this filing's 34.24% sits above 39 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.

What the filing does not tell you

The disclosure parsed here does not state balance transfer terms, a foreign transaction fee and penalty pricing. Those gaps are gaps in what could be read from the filing, and the PDF may well address them in prose the rate table does not capture.

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 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

The pricing here is middling by the standards of the index — 34.24% on purchases is near enough to typical.