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Citi® Flex Pay is a benefit that allows eligible Citi credit cardmembers to split eligible purchases of $75 or more into fixed monthly payments, over a set period of time with a fixed monthly fee and no interest. No application or credit check is required since Citi® Flex Pay is a benefit of your Citi credit card.
Here’s how it works.
Citi® Flex Pay lets eligible Citi credit cardmembers to split eligible purchases of $75 or more into fixed, equal monthly payments over a set period of time.
The process to set up Citi® Flex Pay is outlined below
To be eligible for Citi® Flex Pay, your purchase must be:
Citi® Flex Pay is also available at checkout in certain circumstances for eligible cardmembers when shopping online. You will be notified at checkout if your purchase is eligible for Citi® Flex Pay.
Purchases exclude:
Your Plan Fee is the fixed fee you’ll pay each month while you have an active Citi® Flex Pay. You’ll be able to review your monthly and total Plan Fees before submitting a Citi® Flex Pay. You will not be charged interest on a purchase once it is converted into a plan. There is no pre-payment penalty.
This Plan Fee is calculated based on the plan duration, the APR that would otherwise apply to the Transaction and other factors.
No. You will not be charged interest on a purchase once it is converted into a plan. Instead, you’ll be charged a fixed monthly fee for the duration of your plan.
We may also offer the opportunity to create a Citi® Flex Pay at checkout when shopping online with an eligible Citi® credit card. These Flex Pay plan(s) may have a fixed APR instead of a Plan Fee. You will be notified at checkout if your purchase is eligible for Citi® Flex Pay.
Yes. You can use Citi® Flex Pay on Apple Pay* if your card is eligible. Select your eligible Citi credit card, tap “Pay Later”, and choose the payment plan that works for you.
*Citi® Flex Pay on Apple Pay is available with eligible Citi® credit cards and only with merchants in the United States. This feature is available online and in-app, on iPhone or iPad. Software requirements apply. To ensure you can use Flex Pay on Apple Pay, update your device to the latest software version. To use Citi® Flex Pay on an eligible purchase, your account must be current, under the credit limit, and have the applicable Citi® Flex Pay terms. Some purchases, such as subscriptions and recurring transactions may not be eligible. Other factors may apply.
No. Your Citi® Flex Pay monthly payment will be added to the Minimum Payment Due each billing cycle until paid in full. You do not need to make any separate payments for your Citi® Flex Pay.
There is no pre-payment penalty for Citi® Flex Pay. You can always pay off your Citi® Flex Pay early by paying your account balance in full.
A merchant refund to your Account will post to your Account as a credit. If you would like to apply the credit to your remaining Flex Pay balance, please call the number on the back of your card.
You can view the details of your Citi® Flex Pay in your Citi® Flex Plan Summary located in your Citi® online account, the Citi® Mobile App or by reviewing your billing statement.
There are key differences between Citi® Flex Pay and Citi® Flex Loan. A Citi® Flex Loan allows cardmembers to take a loan from their credit card’s available credit and then pay it back at a fixed interest rate for the duration of the loan. Citi® Flex Pay allows you to split purchases of $75 or more into fixed monthly payments while charging a set monthly fee.
Still need more information on Citi® Flex Pay? Visit the main Citi® Flex Pay page to learn more.
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.
