Plan your next vacation today and pay over time with Citi® Flex Pay

Citi Flex Pay is different from other BNPL tools because it offers fantastic benefits to Citi cardholders, such as:

• 12 months, 0% interest, $0 fees: When booking through Citi Travel, you won’t be charged interest or fees when using Citi Flex Pay’s 12-month payment plan on eligible purchases of $75 or more. Other BNPL plans might require high biweekly payments in a short time to avoid high interest rates and penalties, but using Citi Flex Pay means there are no surprises with your monthly bill. And you can always pay off a Citi Flex Pay balance in full without penalty at any time.
• No credit application required: Citi Flex Pay is a built-in option for Citi credit card holders, so you won’t need to fill out a separate credit application or undergo an additional credit check to use Citi Flex Pay.
• Seamless billing: Instead of worrying about trying to afford the cost of a purchase up front, Citi Flex Pay lets you select a fixed installment that is bundled directly into your Citi credit card’s monthly payment. There is no separate website for Citi Flex Pay payments, which can make it easier to know what you owe. You can keep track of your monthly installments all in one place — on the Citi Mobile^® App or Citi online account.

Yes. Your Citi Flex Pay purchases still earn you ThankYou^® Points and can even be combined with rewards for additional savings at checkout.

When shopping for bookings on Citi Travel, you can use your ThankYou Points and then select the Citi Flex Pay option for the remaining balance. Plus, card perks like the up to $300 Annual Hotel Benefit for Citi Strata Elite^® cardholders are applied automatically at checkout and can be combined with a Citi Flex Pay option. With every purchase using your eligible Citi card, you still earn ThankYou Points toward your next vacation.

Citi Travel gives you exclusive access to competitive pricing for over 1.4 million hotels, and eligible cardmembers can enjoy Hotel Collection benefits like daily breakfast for two, and complimentary Wi-Fi, as well as early check-in privileges (upon availability). The Reserve collection of hotels offers even more benefits for certain Citi cardholders. With the freedom Citi Flex Pay affords you, combined with Citi Travel’s benefits, you get a great value for your next vacation without breaking the bank.

The simple answer is: Citi Flex Pay is a useful tool for budgeting for travel anytime. But there are a few instances in life where having the ability to pay in installments might be especially helpful:

• Attending events or traveling with short notice: Maybe your sister has suddenly gone into labor, or your best friend plans a last-minute birthday party in a different state. You may not always have months to book your travel before you need to be somewhere. Citi Flex Pay lets you make that next surprise gathering or spur-of-the-moment getaway happen without spending so much up front.
• Celebrating major milestones: Citi Flex Pay can also help you plan for the future. Some trips require more planning in advance, especially if you’re traveling out of the country or for multiple weeks at a time. Think of that big honeymoon, anniversary trip or once-in-a-lifetime vacation. Citi Flex Pay lets you book well in advance with set payments over time, which can make budgeting for logistics, dining and fun activities more concrete.
• Upgrading your trip experience: If you’ve ever wanted to fly first class or stay at a 5-star hotel, Citi Flex Pay can be a way to make your dreams of luxury travel a reality. If paying for a more premium option up front has always stood in your way, Citi Flex Pay gives you the choice to enhance your travel without compromising your monthly budget. So you can splurge on that hotel with the nice spa or the all-inclusive resort.