Which certificate of deposit account is best? Regardless of the associated earning credit card, the minimum transfer amount is 1,000 ThankYou Points, and transfers are made in increments of 1,000 points. * See the online provider's credit card application for details about terms and conditions. Bankrate follows a strict editorial policy, so you can trust that our content is honest and accurate. The seamless experience makes the feature convenient to use, and multiple payment plan options will help you ensure you get the terms that work for your budget. A list of these issuers can be found on our Editorial Guidelines. The same holds true for 0% purchase APR offers. 3% cash back on restaurants and eligible travel purchases. Citi is not responsible for the products, services or facilities provided and/or owned by other companies. See Terms and Conditions A flex loan is a type of credit that can seem pretty convenient. Flex lenders may tout the fact that you have to apply for the line of credit only one time, and you can use it repeatedly as long as you haven’t reached your limit. So let’s say your credit card has an APR of 16%, and your interest-free grace period is still valid. I was looking for a Personal loan for about 20k and few of the comparsion sites shows Citibank as offering at 6.99% interest. The Citi ® Double Cash Card – 18 month BT offer ( Review ) is a general cash back rewards card , offering one flat rate for every purchase you make. The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Whether you choose to use Citi Flex Plan or not, you can still use your Citi credit card to make purchases and other transactions, the same way you do today. While the minimum payment will go towards your purchase balance, the excess payments you make will only affect the Citi Flex Plan balance. Citi Flex Plan offers are made available at Citi's discretion. However, Credit Card Insider does not make any guarantees about the accuracy or completeness of the information provided. If you have a major purchase or a need for funds on a … Citi Flex Plan offers are made available at Citi's discretion. We do not include the universe of companies or financial offers that may be available to you. Earn 15,000 bonus points after you spend $1,000 in purchases with your card within 3 months of account opening; redeemable for $150 in gift cards at thankyou.com You can also call Citi customer service to ask if you’re eligible for a Citi Flex Loan. American Express offer customers a pay over time plan. The standard variable APR for Citi Flex Plan is 14.74% - 24.74%, based on your creditworthiness. After that, the variable … Our award-winning editors and reporters create honest and accurate content to help you make the right financial decisions. The Citi Flex Loan program can be a useful alternative to running up a balance on your card for unexpected expenses or taking out a credit card cash advance. But you can still avoid paying interest on purchases. They could give you the extra time you need, if you can’t immediately pay it off. Another thing to be aware of is that using a Citi Flex Loan will increase your credit utilization because it’s using your credit card’s credit limit. The standard variable APR for Citi Flex Plan is 15.99% - 24.99%, based on your creditworthiness. DISCLAIMER: All information posted to this site was accurate at the time of its initial publication. Citi Flex Plans are relatively easy to access, and can fund you up to the amount of your available credit. Occasionally, Citi will review your credit card account to determine your eligibility for a Citi Flex Plan. If you are in a circumstance where you needs funds or you are using funds to pay off higher interest debt, the Citi Flex Plan could be a good option for you. Efforts have been made to keep the content up to date and accurate. It is not the bank advertisers' responsibility to ensure all posts are accurate and/or questions are answered. Kelly is also the owner and creator of The City Workout a revolutionary online workout program for busy business men and women to lose weight and build lean muscle. If you’re able to pay the loan down sooner rather than later, we recommend you do so. We follow strict guidelines to ensure that our editorial content is not influenced by advertisers. The standard variable APR for Citi Flex Plan is 13.49% - 23.49%, based on your creditworthiness. Citi Flex Plan offers are made available at Citi's discretion. 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