American Express® Flexible Payment Option
Pay your balance in full or over time — the choice is yours.
Whether you’re making everyday purchases, navigating unexpected expenses, or planning for the future, you now have the flexibility to make it happen with the Flexible Payment Option.
Enjoy No Pre-set Spending Limit and all the benefits and features of your Card. Flexible Payment Option simply provides you with the flexibility to pay a portion of your balance over time, if and when you choose to use it.
The same great Card with a new way to pay.
How it works
Use your Card
Since the Flexible Payment Option feature is included with your Card already, there is no need to enroll or activate before use. Simply make purchases as usual.
Choose your amount
Pay the full balance on your statement, or a portion of the balance with Flexible Payment Option. You'll only pay interest on the balance you carry.
Earn points
Your ability to earn points doesn’t change. You will earn points for your eligible purchases as long as you pay at least the Minimum Amount Due by your new Payment Due Date.
Spending
Capacity
Your Card has No Pre-set Spending Limit, a unique feature that gives you flexible spending capacity.1 This means the amount you can spend adapts based on factors such as your purchase, payment and credit history.
If you’re ever unsure if a large purchase will be approved, just use the Check Spending Power tool in your Online Account or American Express® App. Your Flexible Payment Option Limit does not impact your spending capacity.
Flexible Payment
Option Limit
While your Card has No Pre-set Spending Limit, there is a limit to the total amount that you can pay over time: this is called your Flexible Payment Option Limit. When you reach your Flexible Payment Option Limit, any amount over your limit will be due in full by your new Payment Due Date.
To view your Flexible Payment Option Limit, log into your Online Account and click “Balance Details.”
Renovation, office inspiration, or higher education — pay it off over time.
Upgrade your home.
From replacing your furnace to finally building that outdoor deck for entertaining, give your house the love it deserves.
Enhance your space.
Turn your workspace into an inspired space.
From treadmill desks to ergonomic chairs and flat-screen monitors, your home office is waiting.
Stop waiting, start creating.
Go further in life.
From getting an online MBA to finally hitting the ski slopes in Whistler, when you can pay your balance over time, reaching your goals is closer than you think.
So get ready for a more exciting future, now.
Frequently Asked Questions
Flexible Payment Option is a new feature on your Card, which allows you to pay a portion of your balance over time. You can choose to pay your account balance in full, the Minimum Amount Due, or any amount in between.
Flexible Payment Option is easy to use. There is nothing you need to do to enroll or activate it. As you make purchases, eligible charges will be automatically added to your Flexible Payment Option balance up to your Flexible Payment Option Limit. When you reach your Flexible Payment Option Limit, any amount over your limit will be due in full by your new Payment Due Date.
When you receive your monthly statement, you can pay the New Balance on your statement in full, the Minimum Amount Due, or any amount in between. If you choose to pay your total New Balance each month by your new Payment Due Date, you won't be charged interest.
If you do not wish to use the Flexible Payment Option, you can simply pay the total New Balance by the Payment Due Date, as indicated on your statement each month.
Flexible Payment Option allows you to pay a portion of your balance over time.
With Flexible Payment Option, you are always in control. The new feature gives you flexibility with larger purchases, like home improvements, or after a month when the little things add up.
Yes, your ability to earn points will not be impacted by the Flexible Payment Option. You will earn points, regardless of whether you pay in full or choose to carry a balance, as long as you pay at least the Minimum Amount Due by your new Payment Due Date.
Each month, you can pay your statement balance in full, the Minimum Amount Due or any amount in between by the new Payment Due Date. All charges not included in your Flexible Payment Option balance must be paid in full. You will only be billed interest if you pay less than the total New Balance on your statement. If you pay in full each month by the Payment Due Date, you will not be billed any interest.
Your monthly statement will now include additional details such as your Flexible Payment Option Limit, Minimum Amount Due, and new Payment Due Date.
You need to pay at least the Minimum Amount Due by the new Payment Due Date shown on your monthly statement.
If you are currently enrolled in the Pre-Authorized Payment program, your payment amount will not change and will remain set to New Balance, which means you will be paying your statement balance in full.
If you wish to take advantage of Flexible Payment Option, you can visit the Pre-Authorized Settings page on your Online Account to change your automatic payment setting.
Please refer to your monthly statement for your Flexible Payment Option balance annual interest rate.
Your Flexible Payment Option Limit is the maximum amount you can choose to repay over time. This limit is different from the amount you can spend on your Card. You can find your Flexible Payment Option Limit on your Amex App, Online Account or on your billing statement. Any charge that causes your balance to exceed your Flexible Payment Option Limit will be due in full by your next statement’s Payment Due Date.
Flexible Payment Option does not impact how much you can spend on your Card. Your Card has No Pre-set Spending Limit unless communicated to you otherwise.
No Pre-set Spending Limit means your spending limit is flexible. Unlike a traditional credit card with a set limit, the amount you can spend adjusts based on factors such as your purchase, payment, and credit history.
Terms & Conditions
- This charge Card has both Due in Full and Flexible Payment Option balances. All Due in Full balances must be paid each month. Interest rate of 30% applies to each delinquent Due in Full charge. This rate is effective from the day account is opened. The Preferred rate of 20.99% applies to your Flexible Payment Option balance. If you have 2 separate Missed Payments in a 12 month period, the Flexible Payment Option rate for your account will be 25.99%. If you have 3 or more separate Missed Payments in a 12 month period, the Flexible Payment Option rate will be 28.99%. These rates are effective from the day the Flexible Payment Option is first available on your account.