What is Citi® Flex Pay?

Key insights:

• Citi^® Flex Pay lets eligible credit cardmembers split qualifying purchases of at least $75 into fixed monthly payments to be repaid over time, with no application or credit check required
• Monthly payments will be added to the Minimum Payment Due each billing cycle
• Citi credit cardmembers can pay off their Citi Flex Pay balance early without a prepayment penalty
• Instead of interest, Citi Flex Pay will charge a fixed monthly ‘Plan Fee’ while you have an active Citi Flex Pay.

Citi Flex Pay allows eligible Citi credit cardmembers to split eligible purchases of $75 or more into equal monthly payments over a set period of time. There’s typically no interest, just a fixed monthly fee. No application or credit check is required, since Citi Flex Pay is a benefit of your Citi credit card.

Here’s how it works.

How Citi Flex Pay works

Citi Flex Pay lets eligible Citi credit cardmembers 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 as follows:

1. Visit Citi.com: Log in to Citi^® Online or the Citi^® Mobile App, then visit your transaction details page to review and identify purchases of $75 or more from your current or last billing cycle.
2. Select Citi Flex Pay: For purchases of $75 or more.
3. Choose your plan: Choose the payment plan that works for you. You’ll know exactly how much you’ll pay each month.
4. Review your plan and confirm: Review your plan details and hit submit.
5. You're all set: Your new fixed monthly payment will be added to the Minimum Payment Due each billing cycle until the balance is paid in full.

Before confirming a Citi Flex Pay plan, review the monthly payment amount, Plan Fee, total cost and repayment timeline.

What purchases are eligible for Citi Flex Pay?

To be eligible for Citi Flex Pay, your purchase must be:

• Equal to or greater than $75
• Posted to your account during your current or last billing cycle

We may also offer the opportunity to create a Citi^® Flex Pay at checkout when shopping online with an eligible Citi^® credit card. You will be notified at checkout if your purchase is eligible for Citi^® Flex Pay.

Purchases exclude:

• Purchases subject to Foreign Transaction Fees, or any fee owed to us. Other exclusions may apply.

What is a Plan Fee?

Your Plan Fee is the fixed fee you’ll pay each month while you have an active Citi Flex Pay plan. You’ll be able to review your monthly and total Plan Fees before committing to a Citi Flex Pay plan. 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.

Will I need to pay interest on a Citi Flex Pay?

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 use Citi Flex Pay at checkout when shopping online with an eligible Citi credit card. These Flex Pay plans 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.

Can I use Citi Flex Pay on Apple Pay at checkout?

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.

Do I need to make a separate payment for my Citi Flex Pay?

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.

Can I pay off a Citi Flex Pay early, and will there be a penalty?

There is no pre-payment penalty for Citi Flex Pay. You can always pay off your Citi Flex Pay plan early by paying your account balance in full.

I returned a purchase and received a refund. How do I apply the credit towards my Flex Pay balance?

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.

Where can I see the details of my Citi Flex Pay plan?

You can view the details of your Citi Flex Pay plan in your Citi Flex Pay Plan Summary located in your Citi Online account, the Citi Mobile App or by reviewing your billing statement.

What is the difference between Citi Flex Pay and Citi^® Flex Loan?

The key difference between Citi Flex Pay and Citi Flex Loan is that one is an installment payment plan and the other is an installment loan. Citi Flex Pay lets eligible Citi credit cardmembers split qualifying purchases of $75 or more into fixed monthly payments, with a set monthly fee. Citi Flex Loan allows cardmembers to take out a loan against their available credit and then pay it back in installments at a fixed interest rate for the duration of the loan.

Still curious about Citi Flex Pay? Visit the Citi Flex Pay page to learn more.

^*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.

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.