Costco citi rewards certificate

Using The 2% Reward Certificate. The Reward certificate is mailed with the Executive Member's annual renewal notice and mailed to the Primary Member. …

March Madness is not only a time for basketball enthusiasts to cheer on their favorite teams and witness nail-biting buzzer beaters; it also has a significant economic impact. Citi...For further assistance, please contact us at 1-800-955-2292. All digital Costco Shop Card orders are usually fulfilled within 2 hours, but may take up to 24 hours to process. If you need to resend the email, visit the tracking link in your Orders & Purchases. Back to Top.Call to Apply 1-800-961-5122TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.Learn about all of the exciting rewards you can earn with the Costco Anywhere Visa® Card by Citi. Earn cash back rewards everywhere Visa® is accepted. Costco Anywhere Card Cash Back Reward - Citi.comBased on identical spending inputs, you’ll earn $120.00 cash back per year with Apple Card and $235.92 with Costco Anywhere Visa Card by Citi. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $1,000 each …Action for Racial Equity. We're marshaling the talent and capabilities of our institution like never before to help communities of color build wealth and strong financial futures. Citibank offers multiple banking services that help you find the right credit cards, open a bank account for checking, & savings, or apply for mortgage & personal loans.Nov 30, 2023. Exclusively for Costco members, the Costco Anywhere Visa Card by Citi offers cash back on all purchases and additional cash back on categories such as …

To redeem ThankYou Points with Citi, go to www.thankyou.com and choose the products to add to your cart. When you’re ready, you can place your order from your cart. You can also redeem your rewards by calling the ThankYou Service Center at 1-800-THANKYOU (1-800-842-6596) or 859-283-8016 outside the U.S.Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel.Welcome to the Costco Customer Service page. Explore our many helpful self-service options and learn more about popular topics. ... If you have not received a Costco Anywhere Visa® Card by Citi, please contact Citi to verify your address is up-to-date and request a new card. Print. Is this answer helpful?Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back …Nov 30, 2023 · Any Costco Anywhere Visa Credit Card cardholder whose card is still open, who is an active Costco member and has earned more than $1 in rewards is eligible to receive a reward certificate. Citi issues annual credit card reward certificates at the close of your February billing statement. The 2% Reward is issued by Costco to Executive members only, whereas the CIBC reward is issued by CIBC to any member who has an active CIBC Costco Mastercard. To upgrade to Executive Membership and get an annual 2% Reward (up to $1,000), stop by the the Membership Counter, visit Costco.ca or call 1-800-463-3783.Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.

There’s no limit to the annual cash back rewards you can earn on purchases with the Costco Anywhere Visa Card by Citi! Whether you’re filling your tank, dining out... Welcome to the Costco Customer Service page. Explore our many helpful self-service options and learn more about popular topics. Special Travel Offer. Earn a total of 5 ThankYou ® Points per $1 spent on hotel, car rentals and attractions booked on CitiTravel.com through December 31, 2025. 2. +. Earn 2 ThankYou ® Points per $1 spent at supermarkets and gas stations for the first $6,000 spent per year. Earn 1 ThankYou ® Point per $1 spent on all other purchases. Agree with above, should be any amount not just over $300. I checked my Citi app, and somehow it doesn't have any Redeem by Direct Deposit option. Btw, this year my Costco rebate will definitely be smaller, as I can get 10% cash back for gas in a MC (1 year promo) vs only 4% at Costco Gas. It says new, but this is what I did last year too.Discover one of Citi's best cash back rewards cards designed exclusively for Costco members. 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% ...Puspakom Miri is a well-known vehicle inspection center located in the city of Miri, Sarawak, Malaysia. It is an essential facility for all vehicle owners in the region as it provi...

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Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel.costco citi reward certificate. Ok I didn't know this and just found out about it, did a quick search and didn't find it here. Anyways for the citi reward certificate you can call citi and have them convert to statement credit. Do it before it expires at the end of the year, they don't do this normally but becaose of covid they are providing ...Based on identical spending inputs, you’ll earn $180.00 cash back per year with Capital One Quicksilver Rewards and $235.92 with Costco Anywhere Visa Card by Citi. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge …Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.Executive Membership Costco Cash Back Rewards. The standard $60 Gold Star membership gets you in the door to shop at Costco but executive members earn 2% cashback, up to $1,000, for qualifying Costco, Costco.com and Costco travel purchases. The executive membership costs an extra $60 for a total of $120.Call to Apply 1-800-961-5122TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.

There’s no annual fee to worry about as long as you pay for a Costco membership, which costs as little as $60 per year. When you shop in-store, your Costco Anywhere Visa Card doubles as your ...With the new Costco Anywhere Visa® Cards by Citi, exclusive to Costco members, earn cash back rewards for personal or business purchasesHere are the rewards you can earn through the Costco Anywhere Visa® Card tiered rewards program: 4% back on eligible gas and EV charging purchases, including at Costco, for the $7000 in purchases ...Learn about all of the exciting rewards you can earn with the Costco Anywhere Visa® Card by Citi. Earn cash back rewards everywhere Visa® is accepted.Find a great collection of Executive Credit Rewards at Costco. Enjoy low warehouse prices on name-brand Executive Credit Rewards products.1. Cash back rewards. Shopping at Costco can be more rewarding. Costco members can earn cash back rewards with a Costco Anywhere Visa ® Card by Citi. Here’s what …It will help them from having to cash all those rewards at the store, and keeps me from walking around with so much cash. [edit-if your check is > $500] On your phone, open your Citi Mobile app. At the bottom, select Services From this menu select: Rewards & Benefits Next select your Costco Anywhere Visa@ Card by CitiCostco Anywhere Visa® Card by Citi. Earn cash back rewards anywhere on the things you buy everyday. See Pricing and Information Below Benefit Terms and Conditions - Opens a dialog Apply online today - Opens a dialog or by …

You are still allowed to use the Citi Visa reward as in-store credit for your next purchase. If you don’t use the whole balance toward your purchase, the remaining balance will be put on a cash card. You won’t be able to cash it out anymore, however. That option is now expired. Source: Am membership desk employee.

There’s no annual fee to worry about as long as you pay for a Costco membership, which costs as little as $60 per year. When you shop in-store, your Costco Anywhere Visa Card doubles as your ...There’s no limit to the annual cash back rewards you can earn on purchases with the Costco Anywhere Visa Card by Citi! Whether you’re filling your tank, dining out... Welcome to the Costco Customer Service page. Explore our many helpful self-service options and learn more about popular topics.Costco credit card rewards. Costco offers a personal and business Visa credit card through Citi that can earn you 2% cash back on your Costco purchases. If you have Costco Executive Membership, this will be in addition to the 2% you would already earn meaning that you can earn up to 4% cash back at Costco using Costco's Visa …Earning Rewards. A Costco member can use the Costco Anywhere Visa® Card by Citi * to earn 4% cash back on eligible gas and EV charging purchases for the first $7,000 spent annually, 1% thereafter ...Do you have a Costco membership and a Citibank Online account? If so, you can log in to the Citibank Online Costco portal and access your Costco Anywhere Visa Card by Citi . This card lets you earn cash back rewards on every purchase, enjoy exclusive benefits at Costco , and manage your card settings online. If you don't have a Costco membership …A Closer Look at the Best Gas Credit Cards Best Rewards on Gas: Citi Custom Cash Card Why we love this card: Earning 5% rewards in a category we can choose is an …Costco Anywhere Visa® Card by Citi Now Allows Direct Deposit for Rewards. The traditionally giveth and taketh away. In addition to 2% off everything at Costco, it offers up to 4% cash back on eligible categories. The 4% cash back on eligible gas and EV charging applies to purchases for the first $7,000 per year and then 1% thereafter.Digital Membership Card - General FAQs. How do I transfer my Digital Membership Card onto a new phone? What if my phone is lost or stolen? Can I pay using my Digital Membership Card? Welcome to the Costco Customer Service page. Explore our many helpful self-service options and learn more about popular topics.Costco Anywhere Visa by Citi credit card review 2024 · Earn 4% cash back on eligible gas purchases and EV charging purchases for the first $7,000 per year (1% ... Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel.

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Costco Executive Members receive a 2% Reward on qualified purchases (see calculation of 2% Reward below). Reward is capped at and will not exceed $1,000 for any 12-month period. Only purchases made by the Primary and active Primary Household Cardholder on the account will apply toward the Reward. The Reward is not guaranteed to be equal to or ...Just look for the subject line: “Your Costco reward certificate is enclosed.”. Redeeming is easy! Simply print or present the email with your certificate at any U.S. Costco warehouse, including Puerto Rico, by December 31, 2022, to redeem for merchandise or cash. You can also access your certificate directly in the Citi Mobile® App.“.Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel.Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.Re: Citi Costco Rewards vs. Executive Membership Rewards. They are two separate rewards. The Executive Membership rewards gets you 2% back (up to $750) regardless of your payment source (Cash, check, debit, other Visa, etc.). The Citi Costco Anywhere Card nets you another 2% without any cap. Message 2 of 2. 0 Kudos.The Costco Anywhere Visa® Card by Citi provides the following rewards structure: 4% cash back on eligible gas and EV charging purchases for the first $7,000 per year and then 1% thereafterCall to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.1. Costco Anywhere Visa® Card by Citi · Discover one of Citi's best cash back rewards cards designed exclusively for Costco members · 4% cash back on eligible gas...Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.11-Feb-2021 ... Costco Anywhere Visa monthly statement from [email protected] - no issues. Costco Anywhere Visa REWARD CERTIFICATE from ... ….

For full details see the Costco Cash Rewards Program Terms. · Annual credit card reward certificate is redeemable through December of the year issued in a single ...Puspakom Miri is a well-known vehicle inspection center located in the city of Miri, Sarawak, Malaysia. It is an essential facility for all vehicle owners in the region as it provi...costco citi reward certificate. Ok I didn't know this and just found out about it, did a quick search and didn't find it here. Anyways for the citi reward certificate you can call citi and have them convert to statement credit. Do it before it expires at the end of the year, they don't do this normally but becaose of covid they are providing ...Based on identical spending inputs, you’ll earn $154.20 cash back per year with Amazon Prime Visa and $235.92 with Costco Anywhere Visa Card by Citi. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $1,000 each …How many members would type the reward certificate incorrectly and then scream Costco cheated them. No butt head, you entered the info incorrectly. Citi visa e rewards are decided by them not Costco. It’s their policy to redeem Citi rewards in the warehouse for cash or direct deposit Your Costco rewards is for membership or in warehouse purchase.Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.Building a Lego City Truck can be an exciting and rewarding experience for both children and adults alike. The key to successfully building any Lego creation is having all the nece...Nov 30, 2023 · Any Costco Anywhere Visa Credit Card cardholder whose card is still open, who is an active Costco member and has earned more than $1 in rewards is eligible to receive a reward certificate. Citi issues annual credit card reward certificates at the close of your February billing statement. Are you passionate about teaching Spanish and want to pursue a career in language education? Obtaining a Spanish teaching certification is an excellent way to enhance your skills, ...How many members would type the reward certificate incorrectly and then scream Costco cheated them. No butt head, you entered the info incorrectly. Citi visa e rewards are decided by them not Costco. It’s their policy to redeem Citi rewards in the warehouse for cash or direct deposit Your Costco rewards is for membership or in warehouse purchase. Costco citi rewards certificate, Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Rates and fees: No annual fees or foreign transaction fees. Though you need to be a Costco member to apply for the card — a $60 annual fee — the Costco Anywhere Visa otherwise carries no ..., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Don’t use more than three consecutive or sequential digits (for example, 1111 or 1234) unless your User ID is an email address. Don’t use your Password or the Security Word you provided when you applied for your card as your User ID., Citi Mobile App. Get a 360° view of your finances, along with personalized spending and savings insights – at your fingertips. It’s the easy way to manage your money and your accounts on the go. Or text 'APP17' to 692484 for a link to download the app., Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel., The Costco Anywhere Visa® Card by Citi (see rates and fees) is one of the best store credit cards on the market. If you already have a Costco membership, this card is a solid way to earn rewards across a wide range of purchases, including eligible gas, restaurants, eligible travel and at Costco — both in-store and online. Card Rating*: ⭐ ..., 23-Oct-2023 ... The Costco Anywhere Visa Card by Citi is great for earning cash back and also works well as a travel card. Here's why one writer regularly ..., Rewards can also be earned using a Citi Costco Visa credit card. Redeeming Costco Rewards Costco will mail you your cash back rewards in the form of a reward certificate approximately 3 months prior to your renewal date along with your annual renewal notice., Based on identical spending inputs, you’ll earn $154.20 cash back per year with Amazon Prime Visa and $235.92 with Costco Anywhere Visa Card by Citi. For context, the average annual rewards payout from the cashback credit cards in the investor.com database is $181.73. The annual rewards payout assumes you charge $1,000 each …, Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Pricing & Information. APPLY NOW. Call to Apply 1-800-970-3019 TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR ..., Lost Executive reward certificate. [Rewards - Executive Membership] Just wanted to share my experience. I originally tried using my 2% back reward certificate but didn't realize I couldn't use it for a self-checkout purchase. A friendly employee offered to suspend my order and check me out at a register, but I didn't want the hassle - figured I ..., Just look for the subject line: “Your Costco reward certificate is enclosed.”. Redeeming is easy! Simply print or present the email with your certificate at any U.S. Costco warehouse, including Puerto Rico, by December 31, 2022, to redeem for merchandise or cash. You can also access your certificate directly in the Citi Mobile® App.“. , Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel., Access Your Rewards Via the App. CNBC reports that there’s one more way that you can receive your rewards. Log into the Citi app. As long as your February statement is complete, you can click ..., Agree with above, should be any amount not just over $300. I checked my Citi app, and somehow it doesn't have any Redeem by Direct Deposit option. Btw, this year my Costco rebate will definitely be smaller, as I can get 10% cash back for gas in a MC (1 year promo) vs only 4% at Costco Gas. It says new, but this is what I did last year too., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Re: Citi Costco Rewards vs. Executive Membership Rewards. They are two separate rewards. The Executive Membership rewards gets you 2% back (up to $750) regardless of your payment source (Cash, check, debit, other Visa, etc.). The Citi Costco Anywhere Card nets you another 2% without any cap. Message 2 of 2. 0 Kudos., Alerts will come from Citi Cards Credit Card Alerts, and you can text STOP to 88109 to stop Alerts, or text HELP to 88109 to receive help. For questions about the services provided, you can call 1-888-281-0031 ., Any Costco Anywhere Visa Credit Card cardholder whose card is still open, who is an active Costco member and has earned more than $1 in rewards is eligible to receive a reward certificate. Citi issues annual credit card reward certificates at the close of your February billing statement., To receive a reward certificate, you must have earned more than $1 in rewards during a calendar year, and your account must be open at the time your certificate is issued in February. In order to ..., It will help them from having to cash all those rewards at the store, and keeps me from walking around with so much cash. [edit-if your check is > $500] On your phone, open your Citi Mobile app. At the bottom, select Services From this menu select: Rewards & Benefits Next select your Costco Anywhere Visa@ Card by Citi , Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., The Costco Anywhere Visa® Card by Citi is a solid no annual fee cash back rewards credit card for Costco club members. With up to 4% cash back, if you spend in the right categories, you could get ..., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel., The Costco Anywhere Visa ® Card by Citi provides cardmembers with some of the following benefits: No foreign transaction fees on purchases. 1. You’ll earn 4% cash back rewards on eligible gas and EV charging credit card spending worldwide, including gas and EV charging at Costco, for the first $7,000 per year and then 1% thereafter. You can ... , Yes. Earn Costco cash back rewards with the Costco Anywhere Visa ® Card anywhere Visa ® is accepted, with the Costco Anywhere Visa® Card by Citi. Earn 4% cash back rewards on eligible gas and EV charging for the first $7,000 per year, and then 1% thereafter. Earn 3% on restaurants and eligible travel., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%., Call to Apply 1-800-970-3019TTY Use Relay Service. 1Costco Anywhere Visa® Card by Citi and Costco Anywhere Visa® Business Card by Citi – Pricing Details. Costco Anywhere Visa Card by Citi. The variable APR for purchases and balance transfers is 20.49%. For Citi Flex Plans subject to an APR, the variable APR is 20.49%.