Written by
Olena Odnokoz
Edited by
Yuriy Ilchenko
On Citi's Secure Website
Intro APR
Purchases: 0%, 15 months
Balance Transfers: 0%, 15 months
Regular APR
18.49% - 28.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 3x points at supermarkets, gas/EV charging stations, and on local transit. Plus, earn 3x points on the category of your choice, 2x points at restaurants, and 1x point on all other purchases.
1x - 5x Points
Welcome Offer Earn 20,000 bonus points after spending $1,000 in the first three months.
20,000 Points
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on up to $500 in purchases per billing cycle in your top eligible spend category. Additionally, earn 4% cashback on hotels, car rentals, and attractions booked through Citi Travel®, plus unlimited 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer Earn a $200 bonus after spending $1,500 in the first six months.
$200
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.47% - 26.74% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on gas at Costco and 4% on other gas and EV charging for the first $7,000 per year. Earn 3% cashback on restaurants and travel purchases, including Costco travel. Earn 2% cashback on all other Costco purchases, plus 1% on all other non-Costco purchases.
1% - 5% Cashback
Welcome Offer N/A
N/A
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 10x points on hotels, car rentals, and attractions booked through Citi Travel®. Additionally, earn 3x points on air travel and other hotel purchases. Plus, earn 3x points at restaurants, supermarkets, gas & EV charging stations, and 1x point on all other purchases.
1x - 10x Points
Welcome Offer Earn 60,000 bonus points after spending $4,000 in the first three months.
60,000 Points
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: 0%, 18 months
Regular APR
17.49% - 27.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2% unlimited cashback on every purchase - 1% when you buy and 1% as you pay - with no categories to track or quarterly activations. Plus, earn 5% cashback on hotels, car rentals, and attractions booked on Citi Travel®.
2% - 5% Cashback
Welcome Offer Earn $200 cashback after spending $1,500 in the first six months.
$200
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
25.99% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
300-669 (Poor/Fair)
Rewards N/A
N/A
Welcome Offer N/A
N/A
On Citi's Secure Website
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
17.49% - 28.24% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
On Citi's Secure Website
Intro APR
Purchases: 0%, 12 months
Balance Transfers: 0%, 21 months
Regular APR
16.49% - 27.24% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards N/A
N/A
Welcome Offer N/A
N/A
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 29.49% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn up to 5x miles on American Airlines purchases: Earn 4x miles per $1 spent on eligible American Airlines purchases, and boost to 5x after spending $150,000 in a calendar year. Earn 10x miles on hotels and car rentals: earn 10x miles per $1 spent on eligible hotel bookings at aa.com/hotels and car rentals at aa.com/cars. Earn 1x mile on all other purchases.
1x - 10x Miles
Welcome Offer Earn 100,000 bonus miles after spending $10,000 in the first three months.
100,000 Miles
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
18.74% - 26.74% Variable APR
Buy Now, Pay Later Make equal monthly payments on purchases of $75 or more. No interest, just a fixed monthly fee. The plan availability is up to the bank's discretion.
Citi Flex Plan
Credit Score
670-850 (Good/Excellent)
Rewards Earn 5% cashback on gas at Costco and 4% on other eligible gas and EV charging for the first $7,000 per year. Earn 3% cashback on restaurants and eligible travel purchases, including Costco Travel. Earn 2% cashback on all other purchases from Costco and Costco.com. Earn 1% cashback on all other purchases.
1% - 5% Cashback
Welcome Offer N/A
N/A
On Citi's Secure Website
Intro APR
Purchases: N/A
Balance Transfers: N/A
Regular APR
19.49% - 28.49% Variable APR
Buy Now, Pay Later N/A
N/A
Credit Score
670-850 (Good/Excellent)
Rewards Earn 2x AAdvantage® miles for every $1 spent on eligible American Airlines purchases, telecommunications merchants, cable and satellite providers, car rental merchants, and gas stations. Earn 1x AAdvantage® mile for every $1 spent on all other purchases.
1x - 2x Miles
Welcome Offer Earn 65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in the first four months.
65,000 Miles
Citi, also known as Citigroup, is a global financial institution based in New York City. It is one of the largest banks in the United States and operates in multiple segments, including consumer banking, institutional banking, and global wealth management. Citi offers a wide range of financial products and services, such as checking and savings accounts, credit cards, mortgages, loans, investment services, and corporate banking solutions. With a significant presence worldwide, Citi serves millions of customers, including individuals, businesses, and institutions.