These APRs will vary with the market based on the Prime Rate.a
APR for Balance Transfers
21.24% to 29.24%, based on your creditworthiness, for transfers completed within 2 months from date of account opening.
These APRs will vary with the market based on the Prime Rate.a
APR for Cash Advances
29.99%
This APR will vary with the market based on the Prime Rate.b
APR for Citi Flex Plan
21.24% to 29.24%, based on your creditworthiness.
These APRs will vary with the market based on the Prime Rate.a
Penalty APR and When it Applies
Up to 29.99%, based on your creditworthiness.
This APR will vary with the market based on the Prime Rate.c
This APR may be applied to your account if you:
(1) Make a late payment or (2) Make a payment that is returned.
How Long Will the Penalty APR Apply? If your APRs are increased for either of these reasons, the Penalty APR may apply indefinitely.
How to Avoid Paying Interest on Purchases
Your due date is at least 23 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your monthly Citi Flex Plan Payment Amount plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month. If you do not pay your monthly Citi Flex Plan Payment plus your entire balance, excluding any Citi Flex Plan balances, by the due date each month, you will pay interest on your purchases from the date they're posted to your account. We will begin charging interest on cash advances, balance transfers, and Citi Flex Loans on the transaction date. We will begin charging interest on a Citi Flex Pay balance subject to an APR at the start of the billing cycle following the billing cycle during which you created the Citi Flex Pay.
Minimum Interest Charge
If you are charged interest, the charge will be no less than 50 cents.
Plan Fee (Fixed Finance Charge)
A monthly fee of up to 1.72% of each Transaction moved to a Citi Flex Plan subject to such fee based on the Citi Flex Plan duration, the APR that would otherwise apply to the Transaction, and other factors.
For Credit Card Tips from the Consumer Financial Protection Bureau
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at
Fees
Annual Fee
None
Transaction Fees
Balance Transfer
Either $5 or 5% of the amount of each transfer, whichever is greater.
Cash Advance
Either $10 or 5% of the amount of each cash advance, whichever is greater.
Foreign Purchase Transaction
3% of each purchase transaction in U.S. dollars.
Penalty Fees
Late Payment
Up to $41
Returned Payment
Up to $41
How We Will Calculate Your Balance: We use a method called "daily balance (including current transactions)."
For more information call Citibank at 1-877-625-6382 (For TTY: Use 711 or other Relay Service). New York residents may contact the New York State Department of Financial Services at (800) 342-3736 or www.dfs.ny.gov for comparative information on credit card rates, fees and grace periods.
Payment Allocation: We may apply the portion of your payments up to your Minimum Payment Due to lower APR balances first, including transferred balances. Generally, payments above your Minimum Payment Due will be applied to your highest rate balance first.
Prime Rate: The variable rates shown here are accurate based on a 8.5% Prime Rate.
a We add 12.74% to 20.74% to the Prime Rate to determine the Purchase/Balance Transfer/Citi Flex Plan APR.
b We add 21.99% to the Prime Rate to determine the Cash Advances APR.
c We add up to 26.74% to the Prime Rate to determine the Penalty APR.
Variable rate APRs will not exceed 29.99%.
Note: Balance Transfers and Flex Plans are made available at our discretion.