Citi® Flex Pay Guide

Citi® Flex Pay on Amazon

Oct 19, 2026

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Key insights:

  • Citi® Flex Pay on Amazon allows eligible Citi credit cardholders to split an eligible purchase on Amazon.com into equal monthly payments directly at checkout.
  • Eligible purchases must be $50 or more
  • You can choose a payment plan that allows you to maintain control over your expenses while continuing to earn points, miles, cash back or rebates on eligible purchases *
  • Reviewing terms like APR and eligibility at checkout can help you understand the total cost before committing

As an eligible Citi® credit cardmember, you have access to a wide range of perks and benefits. But did you know that you can split any eligible purchase of $50 or more into equal monthly payments?

Using Citi® Flex Pay, you can enjoy flexibility and convenience across a wide range of retailers, including Amazon. Let’s look at how you can use Citi Flex Pay for your everyday purchases through Amazon.

What is Citi Flex Pay on Amazon?

Citi Flex Pay on Amazon allows you to split qualifying purchases on Amazon.com of over $50 made with your eligible Citi credit card into equal monthly payments to be paid over time.

You can choose payment plans ranging from 3 months up to 48 months for larger purchases. There’s no application or credit check needed. Some Citi Flex Pay plans may even feature a 0% APR for 3-months for eligible purchases*. Citi Flex Pay is available for eligible Citi credit cardmembers on qualifying purchases across Amazon.com, helping to give you more flexibility for your everyday shopping and beyond.

*Terms and Conditions Apply. Please refer to Important Information about Flex Pay on Amazon.

How do I use Citi Flex Pay on Amazon?


Using Citi Flex Pay on Amazon is generally easy. Simply follow these steps:

  • Add your eligible Citi credit card to your Amazon wallet
  • Shop amazon.com: add $50 or more of eligible products to your cart
  • Use your Citi credit card at checkout
  • Choose Citi Flex Pay during checkout
  • Pick a monthly payment plan that works best for you
  • Complete your purchase and begin making payments based on your plan

Frequently asked questions about Citi Flex Pay on Amazon

Do I pay interest on Citi Flex Pay purchases on Amazon?

Depending on the purchase amount and length of your monthly installments, you may be charged interest when using Citi Flex Pay. Read all terms and conditions carefully at checkout so you understand the total cost of borrowing.

Can I use Citi Flex Pay on other sites with Amazon Pay?

Yes, Citi Flex Pay is available for purchases made with Amazon Pay when available at checkout.

Do I still earn points, miles, cash back or rebates on Citi Flex Pay purchases?

If you are a Citi cardmember who earns points, miles, cash back or rebates on eligible purchases, you’ll still earn those rewards with a Citi Flex Pay plan. Please review your Cardmember Agreement for more information.

What Amazon purchases are ineligible for Citi Flex Pay?

*Purchases that are under $50. In addition, products from Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases, Digital Subscriptions and Subscribe & Save may not be eligible for Citi Flex Pay on Amazon. Service eligibility is subject to change at any time. See details at checkout for more information.

Some Citi credit card products may not be eligible for Citi Flex Pay

Pay your way with Citi Flex Pay on Amazon

Whether you’re buying a computer for back-to-school season, a new outfit for that upscale wedding that’s coming up or supplies for a big home improvement project, Citi Flex Pay on Amazon can help you meet your goals. Splitting your purchase into equal monthly payments can give you peace of mind and help you stay within your budget.

Visit and read the full terms and conditions for Citi Flex Pay on Amazon.

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.