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More Payment Choices.
Greater Payment Control.

Life is unpredictable. Whether you’re creating a home office space or stocking up on essentials, find out how Pay It®1, Plan It®2, and Pay Over Time3 give you flexibility you need when it comes to paying your bill – all while earning rewards.

Which Card is right for you? Select a Card to learn more.

Explore Your Payment Options

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Plan It

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Looking to make payments in a set monthly plan?

Plan It helps you to split up large purchases into monthly payments for a fixed fee.

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Pay It

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Interested in a way to manage everyday purchases?

You can use Pay It in the American Express® App to quickly pay small purchase amounts throughout the month.

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Pay Over Time

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Want to make payments on your own timeline?

With Pay Over Time, you can carry a balance with interest and pay down the balance at your own pace, as long as you pay at least your minimum due each month.

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Pay In Full

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Prefer to avoid interest on your purchases?

You can always choose to
pay in full each month when your bill is due.

Split up large purchases into monthly payments for a fixed fee, up to your Pay Over Time Limit. Plus, you’ll always know upfront exactly how much you’ll pay each month.

HERE’S HOW IT WORKS

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Choose up to 10 purchases of $100 or more to combine into a plan in your online account, or select one purchase if using the American Express® App.

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Select the length of your plan. There are up to three plan duration options to choose from.

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Make monthly payments. Your monthly plan payment will automatically be included in your Minimum Payment Due each month.

Whether you’re looking to...

Choose a payment option that backs you and your lifestyle.

Pay Over Time Limit

There is a limit to the total amount that you can carry as a balance or put in a plan with Plan It. This is called your Pay Over Time Limit. But, it is not a spending limit. So, you may be able to spend beyond your limit while still earning rewards - you’ll just need to pay for any new purchases in full when your bill is due. 

Watch This Video to Explore These Options

Frequently Asked Questions

Pay It
Pay It® is only available in the American Express App® for your eligible Account. With the Pay It feature, you can make a payment equal to the amount of a billed purchase less than $100. Payments made with Pay It are not applied to that billed purchase but to your outstanding balance in accordance with how we apply payments.
Your account is eligible for Pay It if you are a Basic Card Member or Additional Card Member of a Credit Card account issued by a U.S. banking subsidiary of American Express that is not canceled. Prepaid Cards and products, American Express Charge Cards, American Express Corporate Cards, American Express Small Business Cards and American Express-branded cards or account numbers issued by other financial institutions are not eligible. 


Plan It
With Plan It®, you can create up to 10 active payment plans, each subject to a plan fee. The plan fee is a fixed finance charge that will be charged each month that the corresponding plan is active.


To create a plan, select qualifying purchases or a qualifying amount of $100 or more and a plan duration. When creating a plan for purchases, you may select up to 10 qualifying purchases for each plan that you create in your American Express online Account. However, you may select only one qualifying purchase for each plan that you create in the American Express App. Plan duration options may vary depending on the total dollar amount of the qualifying purchases or qualifying amount you move into a Plan. Qualifying purchases will be identified in your American Express online Account and American Express App. Qualifying purchases or a qualifying amount do not include purchases of cash or cash equivalents, purchases subject to Foreign Transaction Fees or any fee owed to us, including Annual Membership fees.


Your ability to create plans will be based on a variety of factors such as your creditworthiness or your Credit Limit. You will not be able to create plans if your Account is canceled. You will also not be able to create plans if one or more of your American Express Accounts is enrolled into a debt management program, or has a payment that is returned unpaid, or is delinquent. The number and length of plan duration options offered to you, and the number of active plans you can have at a time, will be at our discretion and will be based on a variety of factors such as your creditworthiness, the purchase amount(s), and your Account history. After a plan is paid in full, it will be removed from your Account in the next billing period.


Plan It is available on Credit Card Accounts issued by a U.S. banking subsidiary of American Express, excluding Accounts with Pay Over Time and Credit Card Accounts that must be paid in full each month. Only the Basic Card Member on the Account can create a plan. Prepaid Cards and products, American Express Corporate Cards, American Express Small Business Cards and American Express-branded Cards or Account numbers issued by other financial institutions are not eligible.


Pay Over Time 
Eligible charges 
For Green Card Members, purchases (including any associated foreign transaction fees) and Annual Membership Fees are eligible. For Gold and Platinum Card Members, purchases of $100 or more (including any associated foreign transaction fees) and Annual Membership Fees are eligible. The following types of charges are ineligible for Pay Over Time: Cash Advances, including cash and other cash equivalents, certain insurance premiums, and any other fees owed to American Express. 


Pay Over Time 
The Pay Over Time feature on your account has two settings: Active and Inactive. At Account opening, the Pay Over Time feature on your Account is set to Active. This means all eligible charges made on your account will automatically be added to your Pay Over Time balance. If the Pay Over Time feature is active at 8 p.m. Eastern Time on the transaction date provided by the merchant or on the date when an eligible Annual Membership Fee is charged to your Account, then we will automatically add the charge to your Pay Over Time balance. The transaction date provided by the merchant may differ from the date you made the purchase if, for example, there is a delay in the merchant submitting the transaction to us or if the merchant uses the shipping date as the transaction date. If the Pay Over Time feature is inactive at 8 p.m. Eastern Time, no new charges will be automatically added to your Pay Over Time balance. To view or change your Pay Over Time setting, visit your online account or call the number on the back of your Card. 


Pay Over Time Limit
We assign a Pay Over Time Limit to your Account. The Pay Over Time Limit applies to the total of your Pay Over Time, Cash Advance, and Plan balances. Your Pay Over Time balance cannot exceed your Pay Over Time Limit. When there is a delay in posting cash advances or plans to your Account, the total of your Pay Over Time, Cash Advance, and Plan balances may exceed your Pay Over Time Limit. We may approve or decline a charge regardless of whether your card account balance exceeds or does not exceed your Pay Over Time Limit. This is not a spending limit. You must pay at least the Minimum Payment Due by the Payment Due Date each month. The Minimum Payment Due includes all charges that were not added to a Pay Over Time and/or Cash Advance or Plan balance plus a portion of your Pay Over Time and/or Cash Advance balance, any interest accrued, and any Plan Payment Due.  


Interest on Your Pay Over Time Balance(s)
For charges added automatically to a Pay Over Time balance, we will charge interest beginning on the date of each charge. We will not charge interest on charges automatically added to your Pay Over Time balances if you pay the Account Total New Balance by the Payment Due Date each month. You must pay in full, by the Payment Due Date, all charges that are not added to a Pay Over Time, Cash Advance, or Plan balance.  We will begin charging interest on cash advances on the transaction date.

 

‡ American Express App
The American Express® App and app features are available only for eligible Card accounts in the United States. American Express® prepaid Cards and Cards issued by non-American Express issuers are not eligible. To log in, Card Members must have an American Express user ID and password or create one in the app.iOS and Android only. See app store listings for operating system info. Apple, the Apple logo, and iPhone are trademarks of Apple Inc., registered in the U.S. and other countries. iOS is a trademark or registered trademark of Cisco in the U.S. and other countries and is used under license. App Store is a service mark of Apple Inc. Android, Google Play and the Google Play logo are trademarks of Google Inc.