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Buy now, pay over time
Buy what you need and pay in monthly installments
Citi Flex Pay and Amazon Pay have teamed up to empower eligible Citi cardholders with equal monthly payment options on eligible purchases of $50 or more. Next time you shop at your favorite online stores, just look for the Amazon Pay button to speed through checkout, then choose the Citi Flex Plan that works best for you.1
Get as low as 0% APR when you use Citi Flex Pay with Amazon Pay
Split up your payments into equal monthly installments of up to 48 months — and pay at your own pace over time. For purchases of $50 or more, you can pay in 3 equal monthly installments with 0% promo APR or pay in 6, 12, 18, or 24 equal monthly installments with 11.49% promo APR. For purchases of $600 or more, you can pay in 48 equal monthly installments with 13.49% promo APR.
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Let’s go shopping
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Equal monthly payment plans
Citi Flex Pay puts what you need in reach
Whether it’s a laptop for the new school year or a fresh pair of shoes for an upcoming wedding, some larger purchases can’t be put off. Citi Flex Pay allow you to pay in equal monthly payments to fit your budget, giving you purchasing power that can open up a world of possibility.
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Built-in convenience
No hassles. No applications.
Citi Flex Pay is available to eligible Citi credit cardholders who use Amazon Pay. If you have an eligible Citi credit card in your Amazon wallet, you don’t need to fill out an application or wait for credit approval to use Citi Flex Pay.
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Same Citi rewards
Keep earning rewards
If you currently earn rewards on purchases on your eligible Citi credit card, you will continue to do so when using Citi Flex Pay.
Shopping is easier with Amazon Pay
Beyond the equal monthly payment options you get as an eligible Citi cardmember, you’ll also enjoy the fast and familiar convenience of Amazon Pay when you shop thousands of online retailers. Checking out with Amazon Pay means your payment and shipping information remain securely stored, with no extra forms to fill out or additional accounts to create, and your purchases are protected by Amazon Pay’s A-to-z Guarantee.
Better together
How to use Citi Flex Pay with Amazon Pay
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01: Shop
Shop at your favorite online retailers where Amazon Pay is accepted and add eligible items of $50 or more to your cart.
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02: Check out with Amazon Pay
Select the Amazon Pay button at checkout and login with your Amazon account.
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03: Choose your Citi Flex Pay
In your Amazon wallet, select the monthly payment plan under your eligible Citi card that works best for you. When you place your order, the total purchase amount will be deducted from your available credit.
More details
Frequently asked questions

What is Citi Flex Pay on Amazon?

Citi Flex Pay is a feature built-in to eligible Citi credit cards that allows you to pay over time in equal monthly payments for your Amazon.com purchases and purchases made using Amazon Pay at participating online retailers.

How does Citi Flex Pay on Amazon work?

To use Citi Flex Pay while checking out at Amazon.com or while checking out at participating online retailers using Amazon Pay, simply add $50 or more of eligible items to your shopping cart, select your eligible Citi credit card as your payment method and choose a monthly payment option in the order summary or payment method menu.

After you place your order, the full order total will be billed to your eligible Citi credit card and deducted from your available credit. However, only the equal monthly payment amount will be included as part of your Minimum Payment Due at the end of each Billing Period.

What orders are eligible for Citi Flex Pay on Amazon?

Purchases of $50 or more in US dollars made using your eligible Citi credit card at Amazon.com or while using Amazon Pay at participating online retailers are eligible for Citi Flex Pay. Amazon may designate any product as ineligible for a Citi Flex Pay. Examples of purchases that are not eligible for equal monthly payments include, but are not limited to: Amazon Fresh, Whole Foods, Amazon Prime Now, 1-Click Purchases and Subscribe & Save (if your purchase includes a recurring subscription, then only the first month’s subscription fee will be eligible.)

Will I still earn credit card rewards for purchases made using Citi Flex Pay on Amazon?

Yes. If you have a Citi credit card that earns rewards, you will earn rewards on your purchase as you normally would.

Can I use ThankYou Points and/or gift cards when using Citi Flex Pay on Amazon?

Citi Flex Pay can be combined with ThankYou Points linked to Shop with Points at Amazon.com and Amazon.com gift cards, or any combination thereof. Amazon Pay does not allow the usage of ThankYou Points or gift cards at this time.

1 Citi Flex Pay availability may vary per retailer.

IMPORTANT INFORMATION ABOUT CITI FLEX PAY ON AMAZON

Equal Payment Plans. When you use an eligible Citi credit card for purchases made on Amazon.com or while making purchases using Amazon Pay at participating online retailers, you may be offered one or more equal monthly payment options during checkout. Equal monthly payments are available for the full order amount only, which must be at least $50. Each item of merchandise in your order must be eligible for equal monthly payments to select an equal monthly payment option for your order. Equal monthly payments may not be available to all customers or for all merchandise. Other purchase limitations may apply and will be disclosed during checkout. Purchases made using Citi Flex Pay on Amazon.com or while using Amazon Pay at participating online retailers will be billed to your eligible Citi credit card as items ship. You will be responsible for paying it off as part of a Citi Flex Plan at the APR and number of payments selected during checkout. See your Card Member Agreement for more information about Citi Flex Plans.

Splitting and Bundling. If multiple Amazon.com orders or purchases made using Amazon Pay at participating online retailers are financed with equal monthly payments with the same eligible Citi credit card, APR and number of payments, all items from those purchases that ship during the same Billing Period will be combined into one Citi Flex Plan at the end of that Billing Period. If items from a single purchase are financed with equal monthly payments and ship during different Billing Periods, they will be split into separate Citi Flex Plans based on the Billing Period in which they shipped. In either case, each Citi Flex Plan will have the same APR and require the same number of payments that was originally selected at checkout.

Other Promotions. If another lower promo APR applies to purchases on your eligible Citi credit card, that lower promo APR will automatically apply to any item in your order processed as a Citi Flex Plan during the promo period, until the lower promo APR expires pursuant to the terms of such promo. After that, the promo APR disclosed at checkout will apply to the remaining balance of the Flex Plan.

AutoPay. If you are enrolled in AutoPay and have it set to pay “Last Statement Balance,” your entire Flex Plan balance may be paid in full with your next payment unless you adjust your AutoPay settings before your next scheduled payment.

If Purchases Are Not Processed as a Citi Flex Plan. Choosing an equal monthly payment option at checkout on Amazon.com or when using Amazon Pay at participating online retailers does not guarantee that your purchase(s) will be processed as a Citi Flex Plan. If any item in your order is not processed as a Citi Flex Plan, it will be billed as a regular purchase to your eligible Citi credit card subject to the applicable APR and you will be responsible for payment as you normally would.

Overlimit Charges. If your Citi Flex Plan causes you to exceed your credit limit on your eligible Citi credit card, you will be responsible for paying the Overlimit Amount which may include part of your Citi Flex Plan balance, as part of the Minimum Payment Due on your next Citi credit card statement. Consequently, this may reduce the number of monthly payments on your Citi Flex Plan.

Card Rewards. Selecting equal monthly payments at checkout will not affect your eligible Citi credit card’s ability to earn rewards. If you have a Citi card that earns rewards, you will earn rewards on your purchase as you normally would.

Please review your Card Member Agreement for more information.

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