different way to pay
with Plan ItTM
Make the most out of Plan It™ - the American Express® Installment Program.
Not already a Card Member?
Plan It™ is a feature on your American Express® Card which allows you to pay your balance over time through equal monthly payments, tailored to fit your needs. Plan It provides another way to pay your balance so you can buy now, and pay later 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 American Express installment plan could be with the Plan It Calculator.
For purchases both large and small, use Plan It™ to find the payment flexibility and control you need to take you closer to your goals. A buy now, pay later approach, choose Plan It for...
Your Forever Home
Renovations and upgrades, your forever home awaits. Let a Plan It installment plan help you get there.
A Bucket List Vacation
Your next big adventure is one plan away. Pay down a well-deserved trip in equal monthly installments, for a fixed monthly fee1.
Your Cap and Gown
Your cap and gown are only a few steps away. Invest in your education now and pay off all expenses off over time.
Everyday and Unexpected Expenses
Life can be unpredictable, but with Plan It, your payments don't have to be. Payment installments allow you to manage your finances all in one place.
Celebrate every occasion together. Plan It is a feature already available on your eligible American Express Card.
You will be offered up to 3 plan options based on your balance and account history2. Want to know more about setting up a Plan It installment plan? Visit our Plan It FAQs.
Choose an amount.
Select the plan option
that works for you.
Review and confirm.
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. The 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
Discover all the Lending Options that American Express® Has to Offer you!
Looking for other ways to help with your borrowing needs? American Express® offers a variety of different
lending solutions designed to help you take control of your finances.
Frequently Asked Questions
Installment plan balances that are not yet paid will reduce your available 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.
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 Conditions
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 the Plan It (American Express Installment Program) section in your Cardmember Agreement or the Program Terms and Conditions for more details. Plan It is currently not available in Quebec, Nova Scotia, PEI or Nunavut.
2. Your ability to create each new installment plan will depend on an assessment of eligiblity 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 special 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 the Plan It (American Express Installment Program) section in your Cardmember Agreement or the Program 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 the Plan It (American Express Installment Program) section in your Cardmember Agreement or the Program Terms and Conditions for more details.