Credit Card Disclosures Pricing Information Table

Citibank's filed agreement for Credit Card Disclosures Pricing Information Table discloses a 29.99% purchase APR and no annual fee. Against the 4,587 filings on this site, that rate lands around the 74th percentile.

What the agreement puts on the record

What follows is drawn entirely from Citibank's CFPB filing for Credit Card Disclosures Pricing Information Table. The filing runs one page.

The disclosure covers 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.

How the purchase rate compares

At 29.99%, the purchase APR falls at roughly the 74th percentile of the 2,280 filings indexed here, which comes in above the median.

Translating the rate into money

Put $5,000 on the card and never reduce it, and twelve months of interest at the disclosed purchase rate comes to approximately $1,748.

A card priced at the corpus median of 21.99% would charge roughly $1,229 on that balance. This one charges about $518 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.

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

The fee structure

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.

The downside terms

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

The no-interest path

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

A minimum interest charge of $2 applies in any cycle where interest is due, which makes very small revolving balances disproportionately expensive.

What you cannot learn from the filing

Absent from the captured terms: anything about cash advances, balance transfer terms, a foreign transaction fee and penalty pricing. The original document is the place to look for any of these.

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.

Against the rest of Citibank's filings

82 separate Citibank filings appear in the corpus. The issuer's own range is 25.99%–34.24%. At 29.99%, this agreement is dearer than 15 of its siblings.

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

The document itself

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

In short

The pricing here is middling by the standards of the index — 29.99% on purchases is near enough to typical. Because there is no annual fee, everything depends on the revolving behaviour: used as a payment instrument and cleared monthly, this agreement costs nothing.