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How Citi Flex Pay Allows You to Buy Now and Pay Later

Citi Flex Pay enables you to make purchases with your credit card and pay for them later and it’s available to you already.

If you’re a proud owner of a Citi credit card, you’ll appreciate its robust rewards program, enabling you to accumulate Thank You Points for your purchases, which can be exchanged for various benefits, including travel and shopping rewards.

The expanding popularity of buy now pay later services has prompted Citi to enhance the capabilities of your existing credit card, making it even more convenient to defer payments for your essential expenses.

Citi Flex Pay

Citi Flex Pay

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Tip: Citi Flex Pay is a buy now pay later tool you can use to convert your credit card transactions into monthly installments. The feature is already connected to your existing account hence, you can access it directly from your Citi app.


Citi Flex Pay feature is designed to let you conveniently split the cost of your purchases using your existing credit card.

It works similarly to American Express Plan It but it is accessible on more shopping portals, thanks to its integration with Amazon Pay making it available to use to buy now and pay later on Amazon and other participating retailers that accept Amazon Pay.

What is amazing about this is that even though Citi Flex Pay may not be readily available for direct use on websites when you are shopping, you still have the option to convert eligible purchases made with your Citi Credit Card into Flex Pay orders, effectively transforming them into buy now, pay later transactions.

With this capability, it means that you will be able to enjoy the service on eligible transactions made anywhere Citi Credit Cards are accepted.

Where Can You Use Citi Flex Pay to Buy Now, Pay Later?

Here below are some of the top online stores that accept Citi Flex Pay directly or through Amazon Pay:



  • An online marketplace with diverse products, convenient browsing, price comparisons, reviews, and secure doorstep deliveries, ensuring a confident shopping experience.

American Airlines

  • A major U.S. airline offering domestic and international flights with a vast route network and frequent flyer program.


  • A renowned members-only warehouse club offering a wide variety of products, from groceries and electronics to furniture and more.


  • A popular eyewear retailer providing a wide range of eyeglasses and sunglasses, offering virtual try-on and home try-on options.


  • An online deal platform with daily sales events on a variety of products, offering discounts, unique finds, and fun shopping experiences.


  • A premium candy retailer known for luxury and unique sweets, offering gourmet gummies, chocolates, and confections in stylish packaging.


  • An online fragrance store offering discounted perfumes, colognes, and beauty products with a wide selection and affordable pricing.

Scrubs & Beyond

  • A retailer of medical and nursing uniforms, scrubs, and healthcare apparel, providing a variety of styles and brands.


  • An online retailer offering a wide range of contact lenses and eye care products, with convenient delivery and prescription fulfillment services.


  • An online retailer specializing in luxury watches, handbags, and accessories, offering discounted prices and a vast selection of high-end brands.

Nona Lim

  • A brand offering fresh and nutritious soups, broths, and noodles made with natural ingredients, catering to health-conscious consumers.

Solo Stove

  • A brand providing innovative outdoor stoves and fire pits designed for efficient, smokeless, and enjoyable outdoor cooking and warmth.

Litter Robot

  • A revolutionary automated cat litter box designed for hands-free waste disposal, enhancing cat care and cleanliness in homes.

Stanley Bottle

  • Renowned for its rugged durability and insulating properties, this iconic thermos keeps liquids hot or cold, perfect for adventures.

Dan’s Comp

  • A BMX and cycling retailer offering a wide selection of bikes, parts, and gear for BMX enthusiasts and riders.

AMain Hobbies

  • A retailer specializing in remote control cars, drones, and hobby equipment, catering to enthusiasts and hobbyists in the RC world.

How to Use Citi Flex Pay to Buy Now, Pay Later


There are three ways to use Citi Flex Pay to buy now and pay later for your purchases. These include:

  • Direct on Checkout: the option is directly available on some platforms like Citi Travel and American Airlines. You simply need to select the ‘Pick a Flex Plan’ option to spread payments
  • Via Amazon Pay: many retailers accepting payment through Amazon Pay supports Citi Flex Pay. You simply need to select a monthly payment plan under your eligible Citi card connected to Amazon Pay to split the payments
  • Postpaid splitting:  if you have used your card for transactions, you can still convert eligible purchases made into a Citi Flex Pay plan. Here below are the steps:


Log into your Citi Account

To access this feature within your existing Citi account, you will need to log in.

You can do so through the website or the mobile app if it is installed on your device.


Go to your transaction ledger

Click on the menu items and select the “Transaction History” button to access a list of all your credit card purchases.


Choose any eligible transaction with a value of up to $75 spent.

This feature is applicable only to transactions of $75 or more. If your transaction falls within the range of $0.1 to $74.99, it will not be eligible.

Review your transactions, choose one meeting the minimum amount, and proceed.


Click the ‘Flex Pay Plan’ option

After selecting a transaction, you will find the “Flex Pay Plan” option that lets you transform it into a buy now, pay later transaction.

Just click it to begin creating your BNPL order list.


Select a payment plan

After choosing an eligible transaction, you will be presented with a range of duration options, such as 3 months, 6 months, 12 months, 18 months, and 24 months.

It is important to note that the available duration may vary based on factors like the transaction amount and your account, and others determined by Citi.


Review and confirm your selection

Prior to submitting the ‘Flex Pay Plan’ request, it is important to carefully review your selection and the associated payment terms to ensure it aligns with your expectations.

Once you are satisfied with all the details and contract terms, proceed with the submission to convert the purchase into a buy now, pay later transaction.


What advantages does the Citi Flex Pay offer?


If you are considering the Citi Flex Pay and would like to understand its benefits before proceeding, here are a few aspects that may capture your attention:


Part of your current Citi account setup

If you are an existing Citi account holder, there is no need to create a new account to access this feature. It is readily available for purchases of $75 and above. Simply sign in to get started.


Use it with your Thank You Points on Amazon

Amazon allows you to use your Thank You Points together with Flex Pay to pay for eligible products.

This means that you enjoy dual benefits as it will lead to more credit being available to use for other transactions you might need to add to your Flex Pay list.


Integrated into Amazon Pay

The Citi Flex Pay is integrated into Amazon Pay hence, you can use this option to spread payments at hundreds of websites that accept Amazon Pay conveniently without having to use your Citi app or accessing the online portal.


Usable everywhere, thanks to its postpaid nature

You can convert any order into a buy now, pay later purchase, regardless of where the transaction took place.

This feature takes it a step further compared to conventional buy now pay later services that require integration with merchants or prepaid virtual cards.


Credit checks are not needed

Your creditworthiness is evaluated through your existing account history, eliminating the need for a separate credit inquiry to use Citi Flex Pay’s buy now, pay later feature.

This makes it an ideal option for those who wish to avoid the soft credit checks commonly performed by many split payment providers.


Promotional 0% APR up to 12 months

This is probably the most amazing catch regarding the usage of Citi Flex Pay.

You may enjoy interest-free installment payments on your set flex list for up to 12 months.


Lowered APR for long-term financing

For all Flex Pay plans with an installment length of 18 months and 24 months, there is just a promotional APR of 9.99% which is subject to Citi’s decision.

Otherwise, you will bear an APR ranging from 19.24% to 29.24% depending on your account and factors determined by Citi.


This applies to in-store transactions as well

You can also utilize this feature for all qualifying transactions conducted with your credit card at physical store locations.

Given the widespread acceptance of Citi cards, it is a valuable tool for splitting payments on in-person purchases.


Continue to enjoy your current benefits

Citi credit cards are renowned for their outstanding rewards program, enabling you to accumulate points for discounts and various perks.

With the Flex Pay feature, you can still enjoy these rewards while also having the flexibility to divide your purchase costs, making it possible to utilize your credit balance for other essential expenses.


No additional effort is needed

Traditional pay-in-4 providers often necessitate additional steps to use your purchase credit for transactions at non-participating locations.

These steps may include obtaining virtual buy now, pay later cards, installing browser extensions, making in-app merchant selections, and more.

However, with Citi Flex Pay, such additional steps are unnecessary. You simply need to log into your account, select the transaction you wish to split, and it will be applied if it meets the eligibility criteria.

Citi Flex Pay FAQs


Here are some common questions related to the utilization of Citi Flex Pay buy now, pay later feature:

Can I use Citi Flex Pay to buy now and pay later without my credit card?

Yes. You do not need your credit card to use Citi Flex Pay. Instead, your transactions are the key.

Just select any eligible transaction from your account and add it to your list of buy now, pay later purchases.

While your credit card is not essential for accessing this feature, you must have used the credit card for transactions to appear in your transaction history.

If you currently have your card connected to Amazon Pay, you do not have to bother getting it as it is a quick click to use the Citi Flex Pay feature.

What is the minimum and maximum amount to use Citi Flex Pay to spread payments?

Every Citi Flex Pay eligible transaction must meet the minimum value of $75, and the maximum amount depends on your credit balance limit.

However, it will not exceed 95% of your available credit line.

If you perform a transaction with Flex Pay and it exceeds your limit, that will become an overlimit charge which you would have to pay back like a normal transaction.

Does Citi Flex Pay reduce the credit balance?

No, Citi Flex Pay will not decrease your credit balance; instead, it will be adjusted upwards once you add a purchase to your buy now, pay later list.

For instance, if your total credit limit is $1,500 and you make a $350 purchase, choosing to convert the $350 transaction into a flex order will restore your $1,500 credit line.

However, any associated fees will be billed at the end of the billing cycle.

What is the maximum number of Flex Pay transactions allowed?

The specific limit can vary based on your balance, account, and creditworthiness, but most users are typically allowed a maximum of 10 active Flex Pay transactions.

Does Citi Flex Pay affect credit score?

The Citi Flex Pay feature relies on your existing account’s creditworthiness and does not involve any new credit bureau inquiries. As a result, it has no impact on your credit score, as neither soft nor hard inquiries are initiated.

How long is the payment plan for Citi Flex Pay buy now and pay later service?

The plan duration includes 3 months, 6 months, 12 months, 18 months, and 24 months.

Your eligibility for specific durations depends on your account history, creditworthiness, and other factors determined by Citi.

What is the Citi Flex Pay Plan APR?

You will pay an APR ranging from 19.24% to 29.24% depending on your account and factors determined by Citi.

There is also a promotional APR offering when shopping with it on some partnering websites like Amazon, Costco, and American Express.

Below are the terms and their corresponding promotional APRs and minimum purchase amounts:
1. 3 months: 0% APR, a minimum of $75 order value
2. 6 months: 0% APR, a minimum of $149 order value
3. 12 Months: 0% APR, a minimum of $300 order value
4. 18 months: 9.99% APR, a minimum of $600 order value
5. 24 months: 9.99% APR, a minimum of $600 order value

Note that you can avoid paying this interest if you clear your Flex Plan amount and your entire balance before or on the due date shown on your billing details.

How do I know the APR before I make a new transaction?

If you are using the Citi Flex Pay feature directly online via Amazon Pay, the applicable APR will be shown to let you know the costs before you finalize the order.

Similarly, the details will also be shown when creating a Flex Pay plan on your account at the point of selecting the duration.

Is there any fee to use the Citi Flex Pay Plan?

Yes, there is a monthly fee of up to 1.72% for each transaction you add to your Citi Flex Plan list.

This fee is determined through factors like the amount involved, duration, creditworthiness, and others determined by Citi.

Where can I see all my Flex Pay transactions?

After logging into your Citi account online, you can view your existing plans under the “View Flex Plans” category. Likewise, when using the mobile app, your current plans are accessible on the “Flex Plans” page.

Your monthly billing statement also provides information about your active plans in the “Flex Plan” section.

Why can’t I access the Citi Flex Pay feature on my account?

The absence of qualifying purchases or an eligible amount in your account can be attributed to the reason you are not able to access the Flex Pay feature on your account.

Other factors may include an ineligible Citi credit card, purchases that are still pending posting, transactions that do not meet the qualification criteria, or a temporary inability to create new plans.

Your eligibility to initiate plans depends on several variables, such as your creditworthiness and the applicable credit balance limit.

What products are eligible for Citi Flex Pay?

While the eligible products are determined by Citi, most buy now pay later eligible items are for non-perishable goods or items that can be handled.

That means that your transaction may not be qualified for Citi Flex Pay splitting if it is a food item, electronic gift card, medical supplies like drugs, non-BNPL eligible items like firearms, and others as may be determined by Citi and its partners.

Can I cancel a Citi Flex Pay request?

Once you have added a transaction to your Citi Flex Pay list, you will not be able to cancel it.

The best alternative since cancellation is not possible is to pay off early the last balance shown on your most recent billing.

How do I pay off a Citi Flex Pay plan early?

You have the option to settle a Citi Flex Pay plan ahead of schedule by paying the entire new Citi Flex balance indicated in your latest billing statement.

Where can I learn more about the Citi Flex Pay buy now pay later feature?

You can visit the Citi Flex Pay page to find answers to many of your questions and clarify any concerns by reading through the provided content.


If you own a Citi Credit Card account and desire the flexibility to defer payments while managing other financial obligations, Flex Pay is a valuable tool that allows you to buy now and pay later at numerous locations.

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