Variable APR for purchases and Citi Flex Plans subject to an APR: % variable APR, based on your creditworthiness. The standard variable APR for cash advances is %. Variable penalty APR is up to 29.99% and applies if you pay late or your payment is returned. Minimum interest - $. Fee for Foreign Purchases — None. Cash Advance Fee — either $ or % of the amount of each cash advance whichever is greater. No annual fee with paid Costco membership. New card members only. Subject to credit approval. Additional limitations, terms and conditions apply. You will be given further information when you apply.