![]() Doesn't need an application or credit check.Once you select Flex Pay, choose your eligible Citi/AAdvantage credit card as your payment method, and then select your preferred length of time. Keep in mind that the cost of your flight must be at least $75 or more in order to get Flex Pay as a payment option. How to pay for your flight with Citi Flex PayĬiti/AAdvantage cardholders can choose the Flex Pay option at checkout either on aa.com or through the American Airlines app. You won't earn rewards on interest payments.Īmerican Airlines AAdvantage miles are worth 1.4 cents each, on average, based on Insider's points and miles valuations.įor example, if you earn 1,000 points on a $500 purchase but choose to pay it off over a 24-month cycle, you'll still only earn the original 1,000 points even though you paid the original $500 plus whatever your additional interest is. Large purchases paid with the Flex Pay program are still eligible to earn American Airlines Loyalty Points and redeemable miles, but only on the cost of the original purchase. You'll still earn points and miles with Citi Flex Pay That said, it's in your best interest to pay as quickly as possible in order to minimize the number of interest payments on your purchase. ![]() But don't worry, as you'll only need to pay the monthly payment amount as part of the minimum due each billing cycle.Īlthough you'll still be charged interest, the Citi Flex Pay program operates on a fixed rate lower than your card's regular APR. The total cost will then be subtracted from your eligible card's available credit. When you use Citi Flex Pay on an American Airlines purchase, your card will be charged the full cost of the flight. Read Our Review A looong arrow, pointing right What the Citi Flex Pay program gets you Otherwise, you could be better off with a 0% APR credit card offer instead to avoid accruing interest charges. That said, taking advantage of the Citi Flex Pay program to book a last-minute holiday trip may be worth it depending on your situation. But there's a catch, as you'll be charged a fixed interest rate on your payments. Now, with your eligible Citi/AAdvantage credit card you can book any American Airlines flight (must be worth $75 or more), and pay down the large purchase in smaller, equal monthly payments. Flex Pay is Citi's own version of a buy now, pay later program (BNPL) for larger purchases. If you're scrounging for a last-minute gift idea or feeling particularly adventurous this holiday season, you're in luck as Citi/AAdvantage cardholders now have access to Flex Pay for American Airlines flight bookings. By clicking ‘Sign up’, you agree to receive marketing emails from InsiderĪs well as other partner offers and accept our
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