Choose a different way to pay with Plan ItTM
Make the most out of Plan ItTM - The American Express® Installment Program.
Not already a Card Member?
What is Plan ItTM?
Plan It TM is a feature on your American Express® Card which provides another way to pay your balance with flexibility and control.
- Spend on your Card and put a qualifying amount from your most recent statement into an installment plan.
- A fixed monthly fee1 is shown upfront so you know how much you'll pay each month - see what your plan could be with the Plan ItTM Calculator.
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Setting Up a Plan is Easy
Choose an amount.
Select the plan option
that works for you.
Review and confirm.
You will be offered up to 3 plan options based on your balance amount and account history2.
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Plan It™ Calculator
Enter an amount to see what monthly plan options could be available on your Card. The Monthly Fee listed below is calculated at 0.90% of the Principal Amount. This calculator is an illustrative tool only. Plan options and fees specific to your Card will be presented to you when you create a plan.³
3 months
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12 months
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Frequently Asked Questions
Installment plan balances that are not yet paid will reduce your availbale credit. As you pay off your monthly installments, the amount paid off is added back to your available credit limit. To see your available credit, view your latest monthly billing statement or visit your online services account.
Installment plan balances that are not yet paid will reduce your availbale credit. As you pay off your monthly installments, the amount paid off is added back to your available credit limit. To see your available credit, view your latest monthly billing statement or visit your online services account.
If you are eligible, you can create an installment plan between the date your billing statement is generated and your payment due date. If your account is paid by preauthorized debit, you can create an installment plan between the date your billing statement is generated and two days before your payment due date.
If you are eligible, you can create an installment plan between the date your billing statement is generated and your payment due date. If your account is paid by preauthorized debit, you can create an installment plan between the date your billing statement is generated and two days before your payment due date.
When you participate in the installment program, you will be charged a fee instead of interest. The monthly fee will be displayed when making your selections to create a new plan. For details on how your monthly fee is calculated, please see your Cardmember Agreement - Monthly Installment Amount and Monthly Installment Fee section.
When you participate in the installment program, you will be charged a fee instead of interest. The monthly fee will be displayed when making your selections to create a new plan. For details on how your monthly fee is calculated, please see your Cardmember Agreement - Monthly Installment Amount and Monthly Installment Fee section.
Want to know more? View the Plan It FAQs
View the Terms and Conditions
Terms and Conditons
1. When you create an installment plan, you will be charged a monthly installment fee. The monthly installment fee percentage will be disclosed to you during plan creation. Please see your American Express Installment Program section in your Cardmember Agreement or the Plan It™ Terms and Conditions for more details.
2. Your ability to create each new installment plan will depend on an assessment of eligibility made at the time you seek to create an installment plan. In order to be eligible, you must have new purchases billed to your current statement. Prior months’ balances that have carried over are not eligible. Similarly, balances related to funds advances and balances at special rates of interest will also not be eligible unless we make a specific offer to you. We may also limit or otherwise restrict your ability to move balances to the installment program based on your account’s available credit or for any other reason. Please see your American Express Installment Program section in your Cardmember Agreement or the Plan It™ Terms and Conditions for more details.
3. This is not a promotional or special rate offer. The fee charged is comparable to the interest you would have paid if you carried this balance on your account, without being in an installment plan. Please see your American Express Installment Program section in your Cardmember Agreement or the Plan ItTM Terms and Conditions for more details.
®, TM: Used by Amex Bank of Canada under license from American Express