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CITIDISCLOSURES
InterestRatesandInterestCharges

Annual
PercentageRate
(APR)for
Purchases

0%introductoryAPRfor21monthsfromdateofaccount
opening.

Afterthat,yourAPRwillbe11.99%,14.99%,

17.99%,19.99%,or21.99%,basedonyour

creditworthiness.TheseAPRswillvarywiththemarketbased
onthePrimeRate.*
APRforBalance
Transfers

0%introductoryAPRfor21monthsfromdateoffirsttransfer
whentransfersarecompletedwithin4monthsfromdateof
accountopening.
Afterthat,yourAPRwillbe11.99%,14.99%,

17.99%,19.99%,or21.99%,basedonyour

creditworthiness.TheseAPRswillvarywiththemarketbased
onthePrimeRate.*
APRforCash
Advances

25.24%
ThisAPRwillvarywiththemarketbasedonthePrimeRate.*

PenaltyAPRand
WhenitApplies

Upto29.99%,basedonyourcreditworthiness.ThisAPRwill
varywiththemarketbasedonthePrimeRate.*
ThisAPRmaybeappliedtoyouraccountifyou:
(1)Makealatepaymentor
(2)Makeapaymentthatisreturned.

HowLongWillthePenaltyAPRApply?IfyourAPRsare
increasedforeitherofthesereasons,thePenaltyAPRmay
applyindefinitely.
PayingInterest

Yourduedateisatleast23daysafterthecloseofeachbilling
cycle.Wewillnotchargeyouanyinterestonpurchasesifyou
payyourentirebalancebytheduedateeachmonth.Wewill
begincharginginterestoncashadvancesandbalancetransfers
onthetransactiondate.

MinimumInterest
Charge

Ifyouarechargedinterest,thechargewillbenolessthan50
cents.

ForCreditCard

Tolearnmoreaboutfactorstoconsiderwhenapplyingfor

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Tipsfromthe
Consumer
Financial
ProtectionBureau

orusingacreditcard,visitthewebsiteoftheConsumer
FinancialProtectionBureauat

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Fees

AnnualFee

None

TransactionFees

BalanceTransfer

Either$5or3%oftheamountofeachtransfer,whicheveris
greater.

CashAdvance

Either$10or5%oftheamountofeachcashadvance,
whicheverisgreater.

ForeignPurchase
Transaction

3%ofeachpurchasetransactioninUSdollars.

PenaltyFees

LatePayment

Upto$35

Returned
Payment

Upto$35

HowWeWillCalculateYourBalance:Weuseamethodcalled"dailybalance
(includingcurrenttransactions)."Forfurtherdetails,pleaseseeAdditionalDisclosuresor
CardAgreementthatwillbeprovidedtoyoubeforeyoucanbeginusingyournewcard.
LossofIntroductoryAPR:WemayendyourintroductoryAPRandapplythePenalty
APRifyoumakealatepayment.
BillingRights:Informationonyourrightstodisputetransactionsandhowtoexercise
thoserightsisprovidedintheAdditionalDisclosuresorCardAgreementthatwillbe
providedtoyoubeforeyoucanbeginusingyournewcard.
NewYorkresidentsmaycontacttheNewYorkStateBankingDepartmenttoobtaina
comparativelistingofcreditcardrates,feesandgraceperiodsbycalling18772265697.
PaymentAllocation:WemayapplytheportionofyourpaymentsuptoyourMinimum
PaymentDuetolowerAPRbalancesfirst,includingtransferredbalances.Generally,
paymentsaboveyourMinimumPaymentDuewillbeappliedtoyourhighestratebalance
first.
*PrimeRate:VariableAPRsarebasedonthe3.25%PrimeRateasof10/01/2015.
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