Equal Monthly Payments with Citi

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.