Fact Sheet

Pricing Information Table

Interest Rates and Interest Charges

Annual Percentage Rate 
(APR) for Purchases

18.24% to 26.24%
This APR will vary with the market based on the Prime Rate.

APR For Balance Transfers

18.24% to 26.24%

This APR will vary with the market based on the Prime Rate.

APR for Cash Advances

27.49%

This APR will vary with the market based on the Prime Rate.

APR For Citi Flex Plan

18.24% to 26.24%

This APR will vary with the market based on the Prime Rate.

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.

Paying Interest

 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.

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 and balance transfers 
on the transaction date. We will begin charging interest on a Citi Flex 
Plan balance at the start of the billing cycle following the billing cycle 
during which you created the Citi Flex Plan.   

Minimum Interest Charge

If you are charged interest, the charge will be no less than 50 cents.

How We Calculate  
Your Balance

Daily Balance

Fees

Annual Membership Fee

$95. However, the annual fee is waived for the first 12 months.

Transaction Fees

•  Balance Transfer: Either $5 or 3% 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: None

Penalty Fees

•  Late Payment: Up to $39

•  Returned Payment: Up to $39

Details About Your Interest Rates 
and Interest Calculations

Daily Periodic Rate

For Variable Rates: 
U.S. Prime Rate Plus

Purchases

Balance Transfers

Cash Advances

Citi Flex Plan

Penalty

0.04997% to 0.07189%

12.74% to 20.74%

0.04997% to 0.07189%

12.74% to 20.74%

0.07532%

21.99%

0.04997% to 0.07189%

12.74% to 20.74%

Up to 0.08216%

Up to 26.74%

Variable rate APRs will not exceed 29.99%

Note: Balance Transfers and Flex Plans are made available at our discretion.

PROTECTIONS FOR ACTIVE DUTY SERVICE MEMBERS AND THEIR DEPENDENTS

Protections. Federal law provides important protections to members of the Armed Forces and their dependents relating 
to extensions of consumer credit. In general, the cost of consumer credit to a member of the Armed Forces and his or her 

dependent may not exceed an annual percentage rate of 36 percent. This rate must include, as applicable to the credit 

transaction or account: The costs associated with credit insurance premiums; fees for ancillary products sold in 

connection with the credit transaction; any application fee charged (other than certain application fees for specified credit 

transactions or accounts) and any participation fee charged (other than certain participation fees for a credit card 

account). You are entitled to these protections if you are a Covered Borrower, as defined below. 

Covered Borrower. You are a Covered Borrower if, in connection with the opening of your account, we determine you are 
an active duty member of the Armed Forces (including active Guard and Reserve duty) or a dependent of an active duty 

member.  You will cease to be a Covered Borrower if we determine you are no longer an active duty member of the Armed 

Forces (including active Guard and Reserve duty) or a dependent of an active duty member. 

Oral Disclosures. If you are a Covered Borrower, you may obtain information related to your Account, including 
information about these protections and your payment obligation, by calling 1-877-313-6762.  

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