Credit Card Disclosures Pricing Information Table

On the record for Credit Card Disclosures Pricing Information Table: a 32.49% purchase APR and no annual fee, filed by Citibank. That purchase rate ranks near the 77th percentile across this corpus of 4,587 filings.

The disclosed terms

The document behind this page is Citibank's filed agreement for Credit Card Disclosures Pricing Information Table. The filing runs one page.

Terms captured from the document include 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 rate in context

32.49% puts the purchase APR near the 77th percentile across 2,280 agreements, so it comes in above the median.

Because the rate is variable, the figure quoted is tied to an index and will drift with it. Nothing here is a fixed commitment.

The arithmetic of revolving

At the disclosed purchase APR, $1,000 revolving for a full year costs something like $384 in interest.

A card priced at the corpus median of 21.99% would charge roughly $246 on that balance. This one charges about $138 more per year.

Note the $2 minimum interest charge, which overrides the arithmetic above whenever the calculated interest falls below it.

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 grace period

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.

When a payment is late

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

Fees, and what triggers them

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 issuer's other agreements

82 separate Citibank filings appear in the corpus. Across that lineup purchase rates span 25.99% to 34.24%; this filing's 32.49% sits above 19 of the comparable ones.

What is outside the disclosure

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.

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.

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

The pricing here is middling by the standards of the index — 32.49% on purchases is near enough to typical. The absence of an annual fee means the rate is the only thing that can make this card expensive.