Fact Sheet
Pricing Information
Table
Interest Rates and Interest Charges
Annual Percentage Rate
(APR) for Purchases
20.49%
This APR will vary with the market based on the Prime Rate.
APR for Balance
Transfers
20.49%
This APR will vary with the market based on the Prime Rate.
APR for Cash Advances 29.99%
This APR will vary with the market based on the Prime Rate.
APR for Citi Flex Plans 20.49%
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.
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.
Paying Interest
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 $0.50.
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.
How
We
Calculate
Your
Balance
Daily Balance
520/521 v22
Fees
Annual Membership Fee No annual fee for this credit card with your paid Costco Membership
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:
None
Penalty Fees • Late Payment: Up to $41
• Returned Payment: Up to $41
Details About
Your
Interest Rates Daily Periodic Rate For
Variable
Rates:
U.S. Prime Rate Plus
Purchases 0.05614%
11.99%
Balance
Transfers
0.05614%
11.99%
Cash Advances 0.08216% 21.99%
Citi Flex Plans subject to an APR 0.05614%
11.99%
Penalty 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.
