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The standard variable APR for Citi Flex Plan is %, 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 – $. Annual Fee – None. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. The standard variable APR for Citi Flex Plan is %, 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 – $. Annual Fee – None. Fee for foreign purchases – % of the U.S. dollar amount of each purchase. Sign On. User ID. Remember My User ID. Password. Sign On. Retrieve User ID. Reset Password. Register Your Card. To help protect your identity, please change your …You can also use your ATM /Debit Card to access your all accounts at ATMs and via CitiPhone Banking. Real-time transfers and payments. 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