Introductory rate of % for months from date of first transfer for balance transfers. Balance Transfers must be completed within 4 months of account opening. After the introductory period ends, the standard variable APR for purchases will be applied to unpaid introductory balances and new balance transfers. The standard variable APR for purchases is % to %, based on your creditworthiness. The standard variable APR for Citi Flex Plan is % to %, based on your creditworthiness. Standard variable cash advance APR - %. Variable Penalty APR up to 29.99% and applies if you pay late or your payment is returned. Minimum interest charge – $0.50. Annual Fee – None. Fee for foreign purchases – 3% of the U.S. dollar amount of each purchase. Cash advance fee – either $10 or 5% of the amount of each cash advance, whichever is greater. Balance transfer fee – either $ or % of the amount of each transfer, whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.
Purchases do not include items returned for credit, balance transfers, cash advances, interest and account fees.