American Airlines Flight Bookings Available with Flex Pay

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A man and woman sitting down and hugging in an airport

Book American Airlines flight using your Citi/AAdvantage credit cards and select Citi FlexPay to spread payments over time.

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  • Citi/AAdvantage cardholders now have Flex Pay available for large American Airlines purchase. 
  • Citi Flex Pay, a buy now and pay later (BNPL), allows you to make larger purchases in equal monthly installments with a fixed interest rate. 
  • Citi/AAdvantage cardholders still have the opportunity to earn valuable Loyalty points and AAdvantage Miles with Citi Flex Pay. 
  • Check out Insider’s guide to the best travel rewards cards.

Citi/AAdvantage cardholders can now use Flex Pay to find the perfect gift or if they’re feeling especially adventurous this holiday season. American AirlinesFlight bookings Flex Pay is Citi’s own versionOf a buy now, pay later program (BNPL) for larger purchases. Citi is an Insider Partner.

Now, you can book any American Airlines flight with your Citi/AAdvantage eligible credit card. You can also pay off the large purchase in smaller monthly payments. There’s a catch: you’ll be charged an annual fixed interest rate.  

Depending on your circumstances, it may be worth taking advantage of Citi Flex Pay to book a last-minute holiday. If you don’t have the funds, you might be better off using a 0% APR credit card offerInstead, avoid interest fees

Insider’s Featured Credit Cards with Rewards

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Unlimited 3x points on all restaurants, travel, gas stations or transit. Earn 1x points for all other purchases

Limited time offer: Get 30,000 bonus points if you spend $1,500 on purchases within the first 3 months of account opening. Offer expires 01/10/2023

Earn 3x ThankYou® points at restaurants and supermarkets. Earn 3x ThankYou® points at gas stations, air travel, and hotels. Earn 1x ThankYou® points on all other purchases.

80,000 bonus ThankYou® Points after you spend $4,000 in purchases within the first 3 months of account opening

Chase Ultimate Rewards offers 5x points on all travel purchases. Earn 3x points on dining (including eligible delivery services and takeout) Select streaming services eligible for 3x points Online grocery purchases (exclusions: Target, Walmart, wholesale clubs) earn 3x points Earn 2x points for all other travel. Earn 1x points per dollar for all other travel.

You earn 60,000 bonus point when you spend $4,000 in the first three months after account opening

We’re focusing here on the benefits and perks that come along with each card. These cards are not worth the expense if you have to pay late fees or interest. It’s important that you pay your credit card balance in full each month. Also, make timely payments and only spend what is necessary.

Citi/AAdvantage card eligible for Flex Pay

Citi® / AAdvantage® Executive World Elite Mastercard®


Intro offer

After spending $5,000 within the first three month of account opening, you’ll receive 50,000 bonus points


Reward Program

Earn 2x miles per $1 spent on eligible American Airlines flights Earn 1x miles for every $1 you spend on other purchases

Citi Citi® / AAdvantage® Executive World Elite Mastercard®

Citi® / AAdvantage® Executive World Elite Mastercard®


Intro offer

After making $5,000 in purchases within three months of account opening, you will receive 50,000 bonus miles


Rewards

Earn 2x miles per $1 spent on eligible American Airlines flights Earn 1x miles for every $1 you spend on other purchases

This card is ideal for frequent American Airlines passengers who can take advantage the included Admirals Club membership as well as other perks that day-of-travel to offset the high annual cost. Authorized users get Admirals Club access, which adds value. The card is not ideal for earning AA Miles on everyday spending and the lack of travel protections makes it less appealing as a credit card for airlines.


Reward Program

Earn 2x miles per $1 spent on eligible American Airlines flights Earn 1x miles for every $1 you spend on other purchases


Intro offer

After spending $5,000 within the first three month of account opening, you’ll receive 50,000 bonus points


Recommendation for Credit

Excellent


Regular Annual Percentage Rate (APR).

18.99% – 27,99% Variable

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Citi Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening


Reward Program

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile per $1 spent on purchases made elsewhere.


$99 waived in the first 12 month

Annual Fee

Citi Citi® / AAdvantage® Platinum Select® World Elite Mastercard®

Citi® / AAdvantage® Platinum Select® World Elite Mastercard®


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening


Rewards

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile per $1 spent on purchases made elsewhere.


$99 waived for the first 12 months

Annual Fee


$99 waived for the first 12 months

Annual Fee

Citi’s website


Reward Program

Earn 2 AAdvantage® miles for every $1 spent at gas stations and restaurants, and on eligible American Airlines purchases. Earn 1x mile per $1 spent on purchases made elsewhere.


Annual Fee

$99 waived for the first 12 months


Intro offer

50,000 American Airlines AAdvantage® bonus miles after spending $2,500 in purchases within the first 3 months of account opening


Recommendations for Credit

Good to Excellent


Regular Annual Percentage Rate (APR).

Variable: 19.74% – 28,74%

Editor’s Rating

4.45/5

Our editor’s ratings are primarily driven by three things: affordability, simplicity, value. Our credit card editor considers all these factors and gives a rating that best reflects how the card performs relative to other products.

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Citi American Airlines AAdvantage MileUp℠ Mastercard

American Airlines AAdvantage MileUp℠ Mastercard


Intro offer

After spending $500 on purchases within the first three months, you will receive 10,000 American Airlines miles and $50 in your statement credit


Reward Program

Earn 2x miles every $1 spent in grocery shops Earn 2x miles per $1 spent on eligible American Airlines purchases Earn 1x Miles for every $1 spent on any other purchase

Citi American Airlines AAdvantage MileUp℠ Mastercard

American Airlines AAdvantage MileUp℠ Mastercard


Intro offer

After spending $500 on purchases within the first three months, you will receive 10,000 American Airlines miles and $50 in your statement credit


Rewards

Earn 2x miles per $1 spent in grocery stores Earn 2x miles per $1 spent on eligible American Airlines purchases Earn 1x Miles for every $1 spent on any other purchase


Reward Program

Earn 2x miles every $1 spent in grocery shops Earn 2x miles per $1 spent on eligible American Airlines purchases Earn 1x Miles for every $1 spent on any other purchase


Intro offer

After spending $500 on purchases within the first three months, you will receive 10,000 American Airlines miles and $50 in your statement credit


Recommendation for Credit

Excellent


Regular Annual Percentage Rate (APR).

Variable: 19.74% – 28,74%

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Citi CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Reward Program

Earn 2x miles every $1 you spend on satellite or cable providers Earn 2x miles per $1 spent on eligible American Airlines flights. Earn 2x miles per $1 spent at gas stations Earn 2x miles per $1 spent on select telecommunications retailers. Earn 2x miles every $1 spent renting a car. Earn 1x mile every $1 spent on any other purchase


$99, waived the first 12 month

Annual Fee

Citi CitiBusiness® / AAdvantage® Platinum Select® Mastercard®

CitiBusiness® / AAdvantage® Platinum Select® Mastercard®


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Rewards

Earn 2x miles every $1 you spend on satellite or cable providers Earn 2x miles per $1 spent on eligible American Airlines flights. Earn 2x miles per $1 spent at gas stations Earn 2x miles per $1 spent at select telecom merchants. Earn 2x miles every $1 spent renting a car. Earn 1 mile for every $1 you spend on other purchases


$99 waived for the first 12 months

Annual Fee


$99 waived for the first 12 months

Annual Fee

Citi’s website


Reward Program

Earn 2x miles every $1 you spend on cable or satellite providers Earn 2x miles per $1 spent on eligible American Airlines flights. Earn 2x miles per $1 spent at gas stations Earn 2x miles per $1 spent at select telecom merchants. Earn 2x miles every $1 spent renting a car. Earn 1x mile every $1 spent on any other purchase


Annual Fee

$99, waived the first 12 month


Intro offer

65,000 American Airlines AAdvantage® bonus miles after spending $4,000 in purchases within the first 4 months of account opening


Recommendations for Credit

Excellent


Regular Annual Percentage Rate (APR).

19.74% – 28.74% (Variable)

Editor’s Rating

4.6/5

Our editor’s ratings are primarily determined by 3 factors: simplicity, affordability, value. Our credit card editor considers all these factors and gives a rating that best reflects how the card performs relative to other products.

Continue reading

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What Citi Flex Pay Program gets you

Citi Flex Pay will charge your card the full price of American Airlines flights when you use Citi Flex Pay. The total cost will be subtracted from the credit available to your card. You don’t have to pay the entire monthly payment amount each billing cycle, but you can rest assured. 

Citi Flex Pay charges no interest and you will still be charged interest. However, the fixed rate of Citi Flex Pay is lower than your card’s APR. It’s best to pay as soon as possible to reduce the interest payments.  

Citi Flex Pay allows you to still earn points or miles

Large purchases made using the Flex Pay program can still be eligible for American Airlines Loyalty Points, redeemable miles, and other perks. However, this is limited to the original purchase. You will not earn rewards for interest payments.

For example, if a $500 purchase is made and you choose to pay it off in a 24-month time period, you will still only get the original 1,000 points, even though you paid $500 plus any additional interest.

Citi Flex Pay – How to pay your flight

Citi/AAdvantage cardholders have the option to choose Flex Pay at checkout on aa.com, or through the American Airlines App. Flex Pay can only be used if your flight cost is at least $75. 

After you have selected Flex Pay, select your Citi/AAdvantage eligible credit card as your payment method and then choose the length of time you prefer.  

Instead, you might consider a 0% intro rate offer

If you’re able, consider applying for a card with a longer 0% interest rate. You can charge the entire price of your flight to the card without accruing interest. But you will need to pay off your balance in time before your 0% offer expires. 

There are some Citi cards that have incredibly long intro APRs that might be worth looking at:

  • Citi® Diamond Preferred® Card: 0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months (then a 16.74% – 27.49% Variable APR)
  • Citi Simplicity® Card: 0% intro APR on balance transfers for 21 months (transfers must be completed within 4 months of account opening) and on purchases for 12 months (then a 17.74% – 28.49% Variable APR) 
  • Citi Custom Cash℠ Card0% Intro APR on Balance Transfers and Purchases for 15 Months (then a 17.74%-27.74% Variable APr). 

Citi/AAdvantage card purchases don’t come with a 0% intro rate. A Citi/AAdvantage card can be used by a different issuer, or a Citi credit card that is not co-branded with American Airlines, but you will not be able earn Loyalty Points or AAdvantage points from the card.

Insider’s guide for the best can be found here 0% APR credit cardsFor more options, 

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