Citi Flex Pay on Amazon is a simple method for cardmembers to pay for his or her bigger purchases. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. While the minimum payment will go towards your purchase balance, the excess payments you make will only affect the Citi Flex Plan balance. Explore the features and benefits of each unique card and choose which one fits your lifestyle best. That means by taking advantage of one of these offers, you’d end up saving yourself money on interest. So, whether you’re reading an article or a review, you can trust that you’re getting credible and dependable information. A Citi Flex Loan is a loan distributed by Citi. So if you have plans to get ahead, you’ll need to pay off any outstanding credit card balances (assuming they carry higher APRs) before you can make additional payments on the Citi Flex Pay balance. Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. The longer the time period you choose, the smaller your payments will be — but the more interest the balance will accrue, and the more you’ll spend in total. Citi will occasionally review your credit card account and determine if you’re eligible for its Flex Plans: Citi Flex Loan or Citi Flex Pay. Can be helpful if you have a necessary purchase coming up, particularly via Citi Flex Pay. Citi Flex Pay could provide some extra time to pay. The Citi Flex Loan will be transferred to your bank account in 1-2 business days or mailed to you via check (check should arrive within 10 days). That’ll increase your monthly payment by $94, bringing your total monthly payment to $109. Requires no application, hard credit check, or fee. Amazon offers 0% deferred interest on its store cards and 0% special financing on its business credit cards. 0% promotional APR on Purchases of $250 or more for 12 months. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout life’s financial journey. Just keep an eye out to see if Citi has reached out. So let’s say your credit card has an APR of 16%, and your interest-free grace period is still valid. The standard variable APR for Citi Flex Plan is 13.99% - 23.99%, based on your creditworthiness. It does not, and should not be construed as, an offer, invitation or solicitation of services to individuals outside of the United States. Bankrate’s editorial team writes on behalf of YOU – the reader. At Bankrate we strive to help you make smarter financial decisions. Bankrate.com is an independent, advertising-supported publisher and comparison service. If these branded programs don’t do it for you, you could research loans through other financial institutions. You can also call customer support to see if you have any offers. Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. When you click on any ‘Apply Now’ button, the most up-to-date terms and conditions, rates, and fee information will be presented by the issuer. how we make money. These plans could be pretty helpful, if you have a large (and necessary) purchase in your sights that you need to make. To qualify for Citi Flex Pay on Amazon, you must have made a purchase on Amazon using a Citi credit card over the past few months. Just make sure you’re not able to get a lower APR elsewhere. It’s important to note however, if you want to pay off the loan ahead of time, you may need to pay whatever credit card balance you’re carrying first. 0% Intro APR for 18 months on purchases from date of account opening and 0% Intro APR for 18 months on balance transfers from date of first transfer. Responses have not been reviewed, approved or otherwise endorsed by bank advertisers. Highlights. But given the current economic environment, job market and scarcity of zero percent balance transfer offers and low-rate personal loans, you may have no choice but to utilize programs like Citi Flex Pay on Amazon. The Citi Flex Loan offers a lump sum of cash, while the Citi Flex Pay plan lets you choose one credit card purchase to pay down over time. The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. Content is accurate to the best of our knowledge when it's published. We maintain a firewall between our advertisers and our editorial team. As a reminder, for a purchase to qualify for Citi Flex Pay on Amazon, it must have been made on Amazon.com with an eligible Citi card. Back in September I got an offer from Citi giving me 0% APR on purchases through February 27th. Need a car to get to work? You'll also get an 18-month 0% intro APR … The payment will also be added to your regular required monthly credit card payment, so you won’t have to worry about making two separate payments. For the Citi Flex Loan, you can be approved for a loan up to the amount of your credit limit. Citi Announces Citi Flex Pay For Amazon Purchases Of $100+. and its affiliates in the United States and its territories. Whether you choose to work with a financial advisor and develop a financial strategy or invest online, J.P. Morgan offers insights, expertise and tools to help you reach your goals.Check here for latest You Invest℠ offers, promotions, and coupons. (I got this change on 4 of my Citi cards, not the AAdvantage one. Our editorial team does not receive direct compensation from our advertisers. That’s how you can avoid paying interest on your purchases. EDITORIAL DISCLOSURE: The editorial content on this site is not provided by the companies whose products are featured. ADVERTISER DISCLOSURE: Credit Card Insider is an independent, advertising supported website. With a fixed APR of 12%, your options would look something like this: You should pick the shortest duration you’re able to afford, saving yourself some money by reducing the amount of overall interest the balance will accrue. If you have cards from other issuers, you can check out a few different offers. This compensation may impact how, where and in what order products appear. Citi is now offering Citi Flex Pay on Amazon. Our editorial team receives no direct compensation from advertisers, and our content is thoroughly fact-checked to ensure accuracy. The average 0% credit card has a 0% APR for 10.88 months, a $0 annual fee and an 17.65% regular APR. Each plan will use up your credit card balance, like a typical purchase would. Citi Flex Plan offers are made available at Citi's discretion. Citi prioritizes balances with higher APRs when you make payments in excess of the minimum payment due. Bankrate follows a strict editorial policy, so you can trust that we’re putting your interests first. Thanks Jess96 Card Features: Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. As described above, payment allocation can get a bit tricky when you accept a Citi Flex Plan. Efforts have been made to keep the content up to date and accurate. Your loan amounts and monthly payments could look something like this: You can choose how much time you’d like to pay your loan back, thus determining your payment amount. Advertiser relationships do not affect card evaluations. You have money questions. We are an independent, advertising-supported comparison service. Learn how it … We do not include the universe of companies or financial offers that may be available to you. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. If you use a promotional 0% APR balance transfer or purchase offer, your Citi Flex Plan can make it harder to pay that balance down. You can read more about these exceptions here. The going APR seems to be a bit high for long term or extended financing, but an alternative for those who don't want to open up a new account and use their eligible Citi card. INVESTMENT AND INSURANCE PRODUCTS ARE: • NOT FDIC INSURED • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY • NOT A DEPOSIT OR OTHER … While we adhere to strict Along with credit cards, Citi provides the opportunity for a few different financing options specifically for Citi credit card users. It’ll affect your credit utilization, potentially having a negative impact on your. I adjusted the loan term to 60 months to see the change in monthly payment details. We’re transparent about how we are able to bring quality content, competitive rates, and useful tools to you by explaining how we make money. Credit Card Insider and CardRatings may receive a commission from card issuers. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. editorial integrity, this post may contain references to products from our partners. The same holds true for 0% purchase APR offers. While the Citi Flex Plans can help if you’re in a bind, you should still take a look at a few different options that could be less expensive. “So Citi and Amazon saw an opportunity to offer another convenient, easy financing option at checkout.”. Bankrate has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover. Just be sure to check out the APRs (and application fees) and compare them to what you’d get from a Flex Plan. Read this for help picking your first card and find out what to expect when you apply. There’s also no hard credit inquiry required, unlike most loan and financing applications. Reasonable efforts are made to maintain accurate information, though all credit card information is presented without warranty. If you wanted to pay your purchase balance in full, you’ll need to pay the remaining $85 in addition to the minimum, for a grand total of $194. For complete details of any products mentioned, visit bank or issuer website. Amazon purchases financed with equal monthly payments using a Card are processed as Citi Flex Plans at the end of the Card’s billing period. You can request a personal loan from your preferred bank, for example. Advertiser relationships do not affect card ratings or our Best Card Picks. Advertiser relationships do not affect card ratings or our Editor’s Best Card Picks. If you have a Citi credit card and shop on Amazon, you now have a new way to pay, via Citi Flex Pay on Amazon. The responses below are not provided or commissioned by bank advertisers. At first I was excited that it might be a 0% interest deal, but then I realized it was a horrible loan. Therefore, this compensation may impact how, where and in what order products appear within listing categories. However, they’ll increase your monthly payment and the amount of credit you’ll be using. © 2020 Bankrate, LLC. 0% promotional APR on Purchases of $500 or more for 18 months. But this compensation does not influence the information we publish, or the reviews that you see on this site. 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