Citi® Flex Pay Guide
Citi® Flex Pay for American Airlines Flights
Oct 16, 2026
Read Time: 3 min
Key insights:
- Citi® Flex Pay lets eligible Citi® / AAdvantage® cardmembers split the cost of eligible American Airlines flights into fixed monthly payments
- This benefit is built directly into eligible Citi® / AAdvantage® credit cards, so there’s no separate application or separate credit check
- You will continue earning AAdvantage® miles and Loyalty Points on your purchases, just as you normally would
- Citi® Flex Pay is available on eligible flight purchases of $75 or more on aa.com or in the American Airlines app
If you’re planning your next trip, Citi® Flex Pay can help you spread out the cost of your flights when you book on aa.com or in the American app.
Discover what Citi® Flex Pay is, how it works, and how to use it below.
What is Citi® Flex Pay for American Airlines?
Citi® Flex Pay is a feature on eligible Citi® / AAdvantage® credit cards1 that allows eligible Citi® / AAdvantage® cardmembers to pay for eligible American Airlines flight purchases over time in fixed monthly payments. It applies to flight purchases of $75 or more on aa.com or in the American app.
Because the feature is already part of your card, there’s no separate application or credit check. That means you can choose to conveniently pay over time right at checkout during booking.
How Citi® Flex Pay works for American Airlines purchases
While booking an eligible flight on aa.com or in the American Airlines app with an eligible Citi® / AAdvantage® credit card, cardmembers can choose the Citi® Flex Pay monthly payment option at checkout.
Once your flight is booked, the full purchase amount is charged to your eligible Citi® / AAdvantage® credit card and deducted from your available credit. The Flex Pay monthly payment is then added to your Minimum Payment Due each billing cycle until the plan is paid in full.
What are Citi® Flex Pay plan fees?
With Citi® Flex Pay, you’ll pay a fixed monthly fee and no interest for the duration of the plan or payment period.
At checkout, you’ll see the payment options available for your purchase. Take a moment to review and compare them so you can select the plan that works best for you.
Benefits of using Citi® Flex Pay for American Airlines purchases
Citi® Flex Pay can give you more flexibility to plan weekend getaways, family vacations and business trips. Discover the benefits you can enjoy:
- Pay for your flight purchases over time with fixed and predictable monthly payments
- Continue earning American Airlines AAdvantage® miles and Loyalty Points on flight purchases, as you normally would
- No separate application or credit check required
- There's no penalty if you decide to pay off your balance early
- You can combine multiple American Airlines flight purchases into a single Citi® Flex Pay plan.
How to use Citi® Flex Pay
Book your next American Airlines flight, then easily split the cost with Citi® Flex Pay using your Citi® / AAdvantage® credit card in just four steps:
- Explore flights: Visit aa.com or open the American Airlines app to search for flights.
- Review and pay: When you're ready to book, choose Citi® Flex Pay at checkout. Select "Buy now, pay later with Citi® Flex Pay" using your Citi® / AAdvantage® card for eligible purchases of $75 or more.
- Choose your plan: Choose one of the monthly payment options and complete your flight purchase.
- Start packing: Travel while continuing to earn all the same AAdvantage® miles and Loyalty Points on your flight purchase as you normally would.1
Once your plan is set up, you can view the details in the Citi Flex Plan Summary through your Citi® Online account or the Citi Mobile® App or your next billing statement.
Plan your next trip with Citi® Flex Pay
When you book your next American Airlines flight, take a moment to review your payment options at checkout. If you’re eligible for Citi® Flex Pay, you can pay for your flights over time while continuing to earn AAdvantage® miles and Loyalty Points as you normally would.
Learn more about Citi® Flex Pay for eligible Citi® / AAdvantage® cardmembers on eligible American Airlines purchases here.
1 Available to select cardmembers. Terms apply.
View full program terms and conditions for Citi Flex Pay.
This article is for educational purposes. It is not intended to provide legal, investment, or financial advice and is not a substitute for professional advice. It does not indicate the availability of any Citi product or service. For advice about your specific circumstances, you should consult a qualified professional.
