Amazon Pay Adds Citi Flex Pay

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Last updated on September 6th, 2023

Buy Now Pay Later services gained considerable popularity during the coronavirus pandemic. These services allow consumers to finance eligible purchases over time, providing flexibility not found in some credit cards. Nw, Citi’s Flex Pay is making it even easier to pay later, thanks to new integrations with Amazon Pay.

Citi Flex Pay Added to Amazon Pay

The Citi Flex Pay is a popular Buy Now Pay Later solution that lets Citi cardholders finance payment over time. Citi has now partnered with Amazon to add Flex Pay to Amazon Pay. Amazon Pay is an online payments processing service that lets users enjoy the convenience and security of Amazon wherever they shop.

What Is Citi Flex Pay?

Citi Flex Pay is a BNPL service from Citibank that is built-in to select Citi credit cards. The service acts like other BNPL solutions, allowing eligible Citi cardmembers to pay in equal monthly payments to fit their budget and providing them with purchasing power that helps make financing large purchases easier.

What makes the Flex Pay option so attractive is that it requires no application or credit approval – simply select the “Citi Flex Pay” option when checking out at select retailers. Eligible Citi cardholders shop online at select retailers. They can split the cost into equal monthly installments of up to 48 months.

How Does Flex Pay Work?

Using Citi Flex Pay is simple:

Steps Description
Shop Shop at your favorite online retailers where Amazon Pay is accepted and add eligible items of $50 or more to your cart.
Check out Select the Amazon Pay button at checkout and login with your Amazon account.
Choose 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.

Citi Flex Pay purchases are not paid separately from the regular Citi card statement. The fixed monthly payment amount will be added to your standard credit card minimum payment due.

Special 0% Intro APR Offer

Adding Citi Flex Pay to the Amazon Pay mobile wallet is even more exciting, thanks to a new, limited-time offer. Eligible cardholders can enjoy up to 12 months of 0% intro APR on Flex Pay plans. Here are the special offers:

  • Split into three equal monthly installments on purchases of $50 or more.
  • Split into six equal monthly installments on purchases of $149 or more.
  • Split into twelve equal monthly installments on purchases of $299 or more.

Purchases can also be divided into up to 24 monthly payments without the 0% APR. Here is the full slate of repayment options through Citi Flex Pay:

# of payments Terms
3 on purchases of $50 or more with 0% promo APR
6 on purchases of $149 or more with 0% promo APR
12 on purchases of $300 or more with 0% promo APR
18 on purchases of $600 or more with 9.99% promo APR
24 on purchases of $600 or more with 9.99% promo APR

Which Citi Credit Cards are Eligible?

Flex Pay is available on Citi credit cards – but not all Citi credit cards. While Citi continuously updates its policies to add new products and benefits, here is a brief list of Citi cards eligible for Flex Pay:

The BNPL service also applies to many of Citibank’s co-branded credit cards, including the American Airlines AAdvantage® MileUp®, and others. Please check your card’s terms and conditions to check its eligibility.

“Providing Flexibility”

“At Citi, we are passionate about offering our customers best-in-class payment options so that they can pay the way they choose,” said Sergio Zanatti, Head of U.S. Unsecured Lending at Citi. “We are thrilled to continue to expand our Flex Pay to Amazon Pay, providing flexibility for even more retailers and shoppers directly integrated within their checkouts.”

“Customers want flexible payment options, and merchants want to offer that flexibility but don’t always have the resources to do so,” said Omar Soudodi, Director of Amazon Pay. “Introducing Citi Flex Pay on Amazon Pay is a win-win for both customers and merchants—customers have a new, convenient way to pay for their purchases, and merchants can seamlessly offer new and existing customers more choice, affordability, and flexibility in how they pay.”

For more information on adding Citi Flex Pay to Amazon Pay, check out Amazon’s dedicated page.

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Featured image by Amazon

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About: Cory Santos
Cory Santos

Cory is the senior credit card editor at BestCards, specializing in everything credit card-related. He’s worked extensively with credit cards and other personal finance topics, including nearly five years at BestCards. Cory’s extensive knowledge is an essential part of the BestCards experience, helping readers to live their best financial lives with up-to-date insights and comprehensive coverage of all facets of the credit card space, including market trends, rewards guides, credit advice, and comprehensive credit card reviews.

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